“Approved to issue certificates in compliance with the bankruptcy code. Aapproval does not endorse or assure the quality of a provider's services.”
As required by law, individuals who file for bankruptcy under Chapter 7 or Chapter 13 are required to complete a personal financial management instructional course before their debts are discharged by the Bankruptcy Court. Hoglund,Chwialkowski & Mrozik PLLC (Hoglund Law Office) offers this mandatory instructional course via the telephone. This course includes information on the following:
- Budget Development
- Money Management
- Wise Use of Credit
- Consumer Information
- Coping with Unexpected Financial Crisis
Fee Schedule and Fee Waiver
Fee And Fee Waiver Policy:
HCM charges a fee of $50.00 per individual consultation or $88.00 per couple for the personal financial management instruction course, payable by money order. Hoglund, Chwialkowski & Mrozik, P.L.L.C. provides this course without regard to a debtor’s ability to pay. The only charges you will incur are the $50 or $88 charge for the class. There are no additional charges.
Fee Waiver And Fee Reduction Policy:
- This instructional course on personal financial management will be provided without regard to an individual’s ability to pay. The option for fee waiver eligibility is assessed based on debtor income under 150% of the poverty level, as provided to us by the Department of Health and Human Services.
- Fee reduction will be granted in the event of unexpected job loss, injuries, illness, divorce, separation, excessive utility bills, vehicle breakdown, or other unexpected financial occurrences assessed on a case-by-case basis.
- Please check this box if you choose to waive your right to a determination of fee waiver eligibility.
Thank you for choosing Hoglund, Chwialkowski & Mrozik, P.L.L.C. to provide your debtor education personal financial management course instruction. If you have any questions, please feel free to contact Phil Chwialkowski toll free at 855-221-5434, or 844-364-9944 (TTY).
Certificate of Completion
Hoglund, Chwialkowski & Mrozik, P.L.L.C. files your Certificate of Completion with the Bankruptcy Court. Your certificate is also mailed to you for your records via US mail within three business days following your telephone Personal Financial Management Instructional Course.
HCM can provide limited bilingual counseling services and can engage a professional interpreter in cases of limited English proficiency through All Hands Interpreting Services, Inc. Additionally, HCM works with Z Video Relay Service in providing services for the deaf and hearing-impaired. HCM provides these services at no cost to you.