Disclosure Statements

Fee Policy: Online: $9.75 individual, $14.95 couple
$$$0123 A+ Class offers no discounted fees to attorneys. If your attorney provided you with an attorney code to use when registering, the attorney will be billed the same amounts as stated above. We provide certificates at no additional fee.

Inability to pay: $$$0123 A+ Class offers a waiver of the course fee if your income is less 150% of the most currently published HHS poverty guidelines. If your income is more than 150% of the most currently published HHS poverty guidelines, you might be eligible for a fee reduction if: you filed the bankruptcy pro se, are represented by a pro bono attorney, or have other special financial circumstances. To receive a fee waiver or reduction, you must provide supporting documentation of income and household size. Contact us via email: support@jjandpartners.com or call toll free: 888-533-3423.

Policy toward limited English proficient clients: The online personal financial management instructional course is only offered in English.

If you need an instructional course in a language other than English, and you filed bankruptcy in any state other than Alabama or North Carolina, we suggest you ask your attorney for a list of approved providers for the district in which you filed, or consult the U.S. Trustee list of approved agencies at: justice.gov/ust/eo/bapcpa/ccde/de_approved.htm, or contact visit the office of the clerk of the bankruptcy court to obtain a list of approved agencies.

If you need an instructional course in a language other than English, and you filed bankruptcy in North Carolina or the districts in which we are approved in Alabama, we ask you to consult your attorney for a list of approved providers for the district in which you filed, or consult the website of the Bankruptcy Administrator for the district in which you filed, or contact or visit the office of the clerk of the bankruptcy court to obtain a list of approved agencies.

Contact us via email at support@jjandpartners.com or call us at 888-533-3423.

Instructor Qualifications: Our instructors are required to have one or more of the following:

  • A bachelor’s degree, and have experience in one or more of the following areas:
  • Work experience in one or more of the following areas:
    • money management
    • financial counseling
    • personal financial education
    • money management instruction, or
    • legal representation in bankruptcy cases.
  • Certification by a certifying authority: AFCPE, Institute for Financial Certification, or
    continuing legal education.

$$$0123 A+ Class does not pay or receive any referral fees for the referral of debtors.

Certificates: It is our obligation to promptly provide a certificate to students who complete the instructional course. Certificates are Emailed to students no later than noon, 12:00 pm (CST) the following business day. If you do not find your certificate in the inbox of the Email you provided when you registered, please check your spam or junk mail folder. No extra fee is charged for a certificate.

Certificate provided only if instructional course is completed: The online class is deemed completed when you have finished the online course and answered all test questions.

Disclosure of student information to U.S. Trustee: If you filed in any state other than Alabama or North Carolina, $$$0123 A+ Class may disclose your personal information to the U.S. Trustee in connection with the U.S. Trustee’s oversight of our company, or during the investigation of complaints, during onsite visits, and during quality of service reviews.

The U.S. Trustee and Bankruptcy Administrators in North Carolina and those in the districts in which we are approved in Alabama have reviewed only the instructional classes of $$$0123 A+ Class and has not reviewed nor approved any other services we may provide to debtors or other individuals.

Completion of a Student Evaluation Form: At the end of the course you will be directed to a Student Evaluation form web page. Please complete this form to help us improve our course.

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