Fee Waivers

Policy for Debtors Unable to Pay Course Fees: Second Bankruptcy Course will provide its instructional course free of charge to debtors meeting the following criteria:

For the 48 contiguous states and the District of Columbia
How many persons are in your family/household? If your family/household annual income is less than or equal to this amount*, you are eligible for a fee waiver.
1 $19,320
2 $26,130
3 $32,940
4 $39,750
5 $46,560
6 $53,370
7 $60,180
8 $66,990
*For families/households with more than 8 persons, add $6,810 for each additional person.
For Alaska
How many persons are in your family/household? If your family/household annual income is less than or equal to this amount*, you are eligible for a fee waiver.
1 $24,135
2 $32,655
3 $41,175
4 $49,695
5 $58,215
6 $66,735
7 $75,255
8 $83,775
*For families/households with more than 8 persons, add $8,520 for each additional person.
For Hawaii
How many persons are in your family/household? If your family/household annual income is less than or equal to this amount*, you are eligible for a fee waiver.
1 $22,230
2 $30,060
3 $37,890
4 $45,720
5 $53,550
6 $61,380
7 $69,210
8 $77,040
*For families/households with more than 8 persons, add $7,830 for each additional person.

If you qualify and would like to request a waiver, please email Second Bankruptcy Course at: support@secondbankruptcycourse.com or call 800.214.7030, Monday-Friday, 8am-8pm ET.

Alternatively, send a written request for the waiver to:

Second Bankruptcy Course, LLC
4540 Honeywell Court
Dayton, Ohio 45424

Please Note: You will be asked to provide Second Bankruptcy Course with documentation substantiating your qualification for a fee waiver (W2s, paystubs, or Form 103B.)

*The income numbers listed in the table represent 150% of the federal poverty guidelines for the 48 contiguous states and the District of Columbia, Alaska and Hawaii, respectively, as set out at https://aspe.hhs.gov/poverty-guidelines.