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:
Debtor's family/household has an annual income that is less than or equal to the amount indicated in the right column below.
When calculating the family/household income, please include the income of the Debtor's spouse and/or any dependents living in the household. Second Bankruptcy Course requests household size and income information (W2s, paystubs, or Form 103B) from all wage earners in the debtor’s household during course registration in order to perform an initial determination of debtor’s fee waiver eligibility under this criterion. Submission of household information is voluntary, but debtors who decline to provide it will be deemed eligible to pay for the course.
| 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 | $23,475 |
| 2 | $31,725 |
| 3 | $39,975 |
| 4 | $48,225 |
| 5 | $54,675 |
| 6 | $64,725 |
| 7 | $72,975 |
| 8 | $81,225 |
| *For families/households with more than 8 persons, add $8,250 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 | $29,325 |
| 2 | $39,645 |
| 3 | $49,965 |
| 4 | $60,285 |
| 5 | $70,605 |
| 6 | $80,925 |
| 7 | $91,245 |
| 8 | $101,565 |
| *For families/households with more than 8 persons, add $10,320 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 | $26,985 |
| 2 | $36,480 |
| 3 | $45,975 |
| 4 | $55,470 |
| 5 | $64,965 |
| 6 | $74,460 |
| 7 | $83,995 |
| 8 | $93,450 |
| *For families/households with more than 8 persons, add $9,495 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 800.554.1147, 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.
support@secondbankruptcycourse.com
1.800.554.1147