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Bankruptcy Education Disclosure Statement

Money In Motion

Money in Motion is a personal financial education course, approved by the United States Trustees to meet the requirements of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. This course will provide you with a sound foundation to build your new financial future. Upon completion you will have gained new knowledge and skills that will help you develop sound budgeting habits and learn to use credit wisely. The goal of Money in Motion is help you avoid, in the future, some of the financial problems you have faced in the past.

Money in Motion classes are held three times each month:

The 1st Tuesday of each month from 6:00PM to 8:00 PM

The 2nd Thursday of each month from 6:00 PM to 8:00 PMs

The 4th Wednesday of each month from 11:00 AM to 1:00 PM

All classes are held at our offices located at 819 5th St. SE, Cedar Rapids, IA. We ask that you arrive 15 minutes ahead of the class time to complete the registration process.

In addition, Money in Motion can be taken over the internet. Please contact us for the details and to obtain a user name and password.

Horizons, A Family Service Alliance, has over 25 years of experience of helping people with financial problems and educating consumers to improve their money management skills. We are a member of the National Foundation for Credit Counseling (“NFCC”). The NFCC has high standards for quality credit counseling and financial education, and this agency complies with those standards. We are a non-profit agency, operating in accordance with Section 501(c)(3) of the Internal Revenue Code.

The Certified Consumer Credit Counselor conducting or supervising this class has been trained and certified in accordance with the NFCC standards, and is required to continually improve their knowledge and skills to maintain their certification. While the instructor has expertise in helping those with financial problems, he or she cannot provide you with legal advice.

To help cover the cost of providing this class, this agency charges a nominal fee. The fee is $25 for an individual debtor-student, or $30 for two debtor-students who filed on the same petition. In limited circumstances, you may be eligible to have this fee reduced or waived, as the course is offered without regard to the debtor’s ability to pay. As with all of our services, this class is offered to all debtor-students without regard to the debtor-students ability to pay the fee.

Horizons, A Family Service Alliance does not receive or pay any fees or other consideration for the referral of debtor-students to us or by us.

Upon completion of Money in Motion, Horizons will provide you with a Certificate of Completion, which to filed with the bankruptcy court. This certificate will be available to either you or your attorney the first business day following your completion of the course.