Terms and Conditions  |  Tuition Waiver  |  Privacy Policy

Terms and Conditions

Upon registration, the debtor student must provide their bankruptcy case number including the Federal Judicial District in which the case was filed.

The course is provided to debtor students without regard to the student's ability to pay the fee of $6.95 (for singles) or $6.95 (for couples).

The 123debtor.com instructor that will be delivering your bankruptcy debtor education is an experienced and trained professional. The educational and training background of all 123 Debtor training instructors either meets or exceeds standards of the Executive Office for the United States Trustees, U.S. Department of Justice.

A debtor will only receive a certificate if the debtor completes the bankruptcy debtor education course. Upon debtor’s completion of the course, 123debtor.com will promptly provide a certificate of course completion to the debtor student. If requested, 123debtor.com may also provide debtor’s attorney with copies of the certificate, as well as any other required information gathered during the counseling session. In the absence of such a request, the debtor student, and not 123debtor.com, is responsible for providing a copy of the certificate of completion to their attorney and/or the court.

Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec 101.

Other Disclosures:

123Debtor.com, LLC is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider's services. The United States Trustee has reviewed only the provider's instruction course. The United States Trustee has neither reviewed nor approved any other services the provider provides to debtors.

The Provider does not pay or receive fees or other considerations for referrals.

Course materials are provided through the Internet via an interactive learning module. The course can be accessed 24 hours a day / 7 days a week and 365 days a year. However, site support is limited to certain hours of operation. Upon successful completion of the briefing or course, the approved Providers will issue a certificate of completion to the debtor.

A Special Note About Children: Children are not eligible to use our service and we ask that minors (under the age of 16) do not submit any personal information to us or use the service. 123debtor.com does not collect or maintain information from those actually known to be under the age of 16, and no part of the Web site is structured to attract anyone under the age of 16.

Bilingual Customers: 123debtor.com does not provide bilingual instruction with regards to the online course, nor do we offer customer service or professional interpreter assistance to any limited English proficient debtor.

Tuition Waiver Information & Procedures

Services will be provided without regard to the student's ability to pay. 123Debtor.com will waive the Pre-discharge Debtor Education fees for students whose household income is less than 150% of the estimated poverty guidelines for their applicable family size as published by the Department of Health and Human Services at https://aspe.hhs.gov/poverty-guidelines. If a student is receiving legal services pro-bono, if their sole source of income is disability and/or they can show hardship, 123Debtor.com will also waive the Pre-discharge Debtor Education fees.

Submit a letter of need addressing your situation, and include Schedule - I of your bankruptcy petition, disclosing income line 16:


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

Attn: Fee Waiver Department
1913 Praslin St.
Eugene, OR 97402

123debtor.com, LLC Privacy Policy

123debtor.com, LLC is a Limited Liability Corporation and is required to disclose the following information to all debtor students prior to paying for this course: Important Categories of Information for you to know:

  • Information we may collect at the Web Site
  • How your information is used
  • Altering the information you submit through the Web site

Information We Collect. There are several areas on the Web site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except (i) as authorized by you, (ii) to participating Agencies, (iii) as set forth herein, or (iv) as may be required by law or court order.
     (a) Information we receive from you via Submissions. To use 123debtor.com's services, when you come to the Web site you'll need to provide personal information such as your name, phone number, Partial Social Security Number, e-mail address, possibly income, information regarding assets and liabilities and other financial information.
   (b) Technical information we collect. In order for 123debtor.com to ensure that we are providing the best possible consumer experience on the Web site, we collect and track certain user information. When you visit the Web site, our Web server may send a cookie to your computer. This cookie stores a limited amount of information about your site visit. The cookie tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, email address or phone number as you browse the site.
When you complete a Submission, we store your cookie identification in our system. This cookie allows our site to recognize you when you return. 123debtor.com also utilizes Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including the number of visitors to the Web site, operating systems, Internet Provider addresses (if publicly available), and browser type. Unlike cookies, Web Logs are maintained only on 123debtor.com servers and do not store or place anything on the user's computer.
If you come to the Web site from an online banner ad, an anonymous identification number may be passed to the Web site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising, marketing and banner advertisement campaigns.
       (c) Information from surveys. You may have the option of completing an online survey at the Web site from time to time. Participation in surveys is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us in connection with any such survey.
       (d) Information from the customersupport@123debtor.com section of the Web site is provided that you may contact 123debtor.com. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us.
       (e) Information collected on other sections of the Web site. 123debtor.com may, from time to time, make various resources available to you at the Web site to help educate you about the bankruptcy and/or credit counseling industry. At times we may collect personal information in connection with providing such services.

How your information is used. We use the information you provide in your Submission or other submission of information to provide the Trustee Board of Debtor Education with the appropriate information to confirm you have completed the required debtor education course.
In addition, 123debtor.com may disclose account or other personal information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with 123debtor.com's rights or property, other Web site users or anyone else that could be harmed by such activities. 123debtor.com may disclose debtor information to the United States Trustee in connection with the United States Trustee’s oversight of the provider, or during the investigation of complaints, during on-site visits, or during quality of service reviews.

Altering Information You Submit Through The 123debtor.com Web Site. You may be able to review and change personal information in an active account. Contact us at customersupport@123debtor.com for any such requests.
(a) Deleting your information. Federal and state regulations may require that we store completed Submissions for various periods of time. In order to comply with these regulations, we may be unable to delete information from our databases.


123debtor.com uses extensive and sophisticated secure technology to protect your data and transmissions between you, 123debtor.com and Agencies participating in the Web site. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires an SSL-capable browser. Although 123debtor.com has taken these measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, 123debtor.com cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

Changes to Privacy Policy: If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you by e-mail of the change to the extent such change is material. Otherwise, we will post such change at the Web site, and such change will be deemed to be effective 10 days from the date of such posting. In that instance, your ability to opt out of the new policy will be determined by applicable laws.




* 123Debtor.com, LLC is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.