BKClass Inc. is required to disclose and you acknowledge and agree to the following:
  • The BKClass Inc. instructor that will be delivering your bankruptcy debtor education is an experienced and trained professional. Instructors either hold a teaching certificate or have been certified as a personal finance counselor by a third-party organization.
  • BKClass Inc. offers the bankruptcy debtor education program needed prior to discharge of debt. The United States Trustee has reviewed only the provider’s instructional course and has neither reviewed nor approved any other services the provider provides to debtors.
  • The cost of the bankruptcy debtor education course is $25 (additional $4.95 for joint course takers) and is offered by internet. This fee includes the generation of the certificate. Related services are also available such as the fast-tracked delivery of the certificate via fax for $11.95, certificate mailing service for $11.95, immediate certificate delivery for $7.95, filing of the debtor education certificate with the selected court for $16.95; the certificates may be filed by debtors with the court at no cost, certificate delivery date and time stamp for $7.95, debtor education certificate court filing proof for $11.95, case records synchronization for $14.95, course records storage and access extension to 10-years for $12.95, credit card and debit card convenience fee for $5.95, administrative fee for $5.25, extended support for $9.95, court case monitoring for $7.95, issuing an official Certification about a Financial Management Course - form B 423 - for $14.95, and the course audio feature activation for $11.95.
  • Payment can be made by debit card, credit card, prepaid card, or automatic withdrawal from a bank account. The debtor student may also use an attorney access code or promo code which may cover or lower the fee for the course. After entering an attorney access code or a promo code during the registration process, the system will display the regular fee, the discounted fee, and the amount of the discount prior to collecting the remaining amount, if applicable, from the debtor student.
  • If requested, BKClass Inc. will provide refunds according to the following guidelines: (1) If a person completes the course and a certificate is requested and issued, no refund will be provided; (2) Otherwise, a refund for the amount paid less a $5 fee for expenses incurred will be issued. A refund must be requested within 30 days of payment.
  • The debtor student must provide bankruptcy case number.
  • The bankruptcy debtor education course is provided to debtor students without regard to the student’s ability to pay the fee. You may review our fee waiver policy below:

    BKClass Inc. will waive the debtor education fee in whole or in part whenever a client demonstrates a lack of ability to pay the fee. A client presumptively lacks the ability to pay the fee in whole or in part if the client’s current household income is less than 150 percent of the poverty guidelines for their family size, updated periodically in the Federal Register by the U.S. Department of Health and Human Services.

    Please Note:
    1. The income for comparison to the poverty guidelines is the “Total Combined Monthly Income” as reported on Line 16 of Schedule I of the bankruptcy petition.
    2. Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.
    3. The income of a spouse is included when calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.
    4. The income of any other family member listed on Schedule I as a dependent is also included.

    You may contact our office at 1–877–460 7337 or info@bkclass.com with your name and case number as they appear on your paperwork for assistance in determining if you qualify. If you qualify and would like to arrange for a waiver, please forward a written request for the waiver along with evidence of any and all income by email to info@bkclass.com, or by fax to 1–877-246 3991.

    Alternatively, you may forward a written request for the waiver along with appropriate documentation to
    BKClass Inc.
    100 E Pine St, Ste 101,
    Orlando, FL 32801

  • BKClass Inc. does not pay or receive fees or other consideration for the referral of customers to BKClass Inc.
  • All debtor students of the bankruptcy debtor education course must remain within the course and its content for a minimum of two (2) hours.
  • BKClass Inc. is not responsible for any client-side technical problems or challenges. These include the basic understanding of how to operate a computer or mobile device, the compatibility of your computer or mobile device, internet connectivity, and the use of any necessary software applications or programs.
  • A debtor will only receive a certificate if the debtor completes an instructional course. We have an obligation to provide a certificate to the debtor promptly upon the completion of an instructional course within three business days. BKClass Inc. may also provide your attorney and/or bankruptcy judge/trustee with copies of your certificate, as well as any other required information gathered during the counseling session.
  • Your privacy is important to us. We make certain that all information shared orally, electronically, and in writing will be managed within legal and ethical considerations. We will take precautions to disclose information only to those who have a right to know. BKClass Inc. may be required to disclose certain information to the United States Trustee in connection with the United States Trustee’s oversight of the provider, or during investigation of complaints, during onsite visits, or during quality of service reviews. A copy of our entire privacy policy is available upon request or can be accessed from our website.
  • BKClass Inc. provides services in English. Consumers requiring services in other languages should seek assistance from another approved provider.
  • You may contact us at any time if you have any questions or concerns.