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 $20,385
2 $27,465
3 $34,545
4 $41,625
5 $48,705
6 $55,785
7 $62,865
8 $69,945
*For families/households with more than 8 persons, add $7,080 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 $25,485
2 $34,335
3 $43,185
4 $52,035
5 $60,885
6 $69,735
7 $78,585
8 $87,435
*For families/households with more than 8 persons, add $8,850 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 $23,445
2 $31,590
3 $39,735
4 $47,880
5 $56,025
6 $64,170
7 $72,315
8 $80,460
*For families/households with more than 8 persons, add $8,145 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.