Disclosures to All Debtor Students
Required Under 28 C.F.R. § 58.33 (k):

Fee Schedule:

  1. Single, filing individual – 25.00
  2. Married, taking the course together – 25.00
  3. Married, filing individual or taking the course separately – 25.00 each

Professional Financial Guidance makes our services available for free or at a reduced rate based on the debtor student's ability to pay. Please contact our office to see if you are eligible for a waiver of fees. Debtor students' eligibility is based on information provided on this form.

A debtor presumptively lacks the ability to pay the fee if the debtor’s household current income is less than 150 percent of the poverty guidelines updated periodically in the Federal Register by the U.S. department of Health and Human Services under the authority of 42 U.S.C. 9902(2), as adjusted from time to time, for a household or family of the size involved in the fee determination. Individuals with income below 150% of the national poverty guideline will receive the course for free. If you do not request eligilibility, PFGED will evaluate the income information your provide and refund payments made to students who meet the eligibility requirements.

The counselors of Professional Financial Guidance L.L.C. have over 20 years combined experience helping consumers with consumer credit education and personal financial management on-line and over the phone. The course is taught by Attorney Peter Francis Geraci, whose professional background can be found here.

Online services are available 24 hours a day, 7 days a week.

Professional Financial Guidance L.L.C. does not pay or receive fees or other consideration for the referral of debtor students to or by the provider.

Professional Financial Guidance L.L.C. will provide you and your attorney with a copy of the Debtor Education Certificate to be filed with the Bankruptcy Court upon completion of this course.

Professional Financial guidance will provide free bilingual instruction or obtain professional interpreter assistance to any limited english profient debtor.

Professional Financial Guidance LLC might 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 onsite visits, or during quality of service reviews;

The United States Trustee has reviewed only the provider’s instructional course. The United States Trustee has neither reviewed nor approved any other services the provider provides to debtors.

PFG LLC is owned by attorney Peter Francis Geraci, who is also an attorney with Geraci Law L.L.C. However, PFG LLC is not a law firm, does not engage in the practice of law, and does not stand in a lawyer-client relationship with its students. Any law-related services that PFG LLC provides are not legal services and the protections of the client-lawyer relationship do not apply to any debtor education course you may take, or to PFG LLC’s services, which are non-lawyer debtor education activities. You may take your "after filing" debtor education course with any provider you want, whether you are a client of Geraci Law LLC or not. Professional Financial Guidance L.L.C. has been approved by the Executive Office of the United States Trustee 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.

A debtor will only receive a certificate if the debtor completes an instructional course.

By taking the course you acknowledge that you have read, understand, and agreed to these statements.