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Information Relevant to the Financial Education Course - Disclosures

This session is required only if the consumer is planning on seeking a certification in Alabama or North Carolina pursuant to and in compliance with Section 109(h) of the US Bankruptcy code.

Completion of Course and Certificate

You must complete the course in its entirety to receive a certificate of completion. Once you have completed the course, which consists of a video, collection of your confirmation words, ten questions (not pass/fail), and an optional survey, the system (or Butterfly representative) will confirm that you are complete. A certificate of completion will be generated with the time and date of completion and be sent to you. If you provided an email address for your attorney or an attorney code the certificate will also be sent to your attorney and be available through our system to any attorney with a code. Follow up and make sure whoever is filing the certificate with the court has indeed received the certificate. If you would like Butterfly to file your certificate of completion with the court, you must call us. We will do so free of charge.


You cannot take a financial education course for the purposes of a bankruptcy case until after your case has already been filed and you have a case number from the court. Financial education courses taken before filing are not valid for bankruptcy purposes.

Privacy Policy

Information collected by Butterfly Financial Education, Inc. is treated as confidential. No personally identifiable information will be released to any outside person or to any company unless required by law or expressly authorized by you or your attorney. Butterfly will never share information with any creditor, collection agent, or credit reporting agency. Butterfly reserves the right to collect non identifiable statistical information. Butterfly will not sell, rent, loan, lease or trade any information obtained from a consumer or their attorney. Butterfly may share information regarding your account with the Bankruptcy Administrators and your appointed attorney upon request.

Credit Reporting Agencies

Butterfly does not report any activity to credit reporting agencies, therefore the participation in Butterfly's credit counseling session or financial education course will not impact your credit report.

Legal Advice

The counseling session and financial education course are meant to give you information and not meant to give legal advice or advise you to take a specific course of action. Your specific financial situation is personal and the financial plan you follow should be one of your own choosing. Information presented here is meant to be general and the opinion of the presenters.

Qualifications of Writers of the Video Presentation and Staff Available for Questions

The presentation “Reaching Your Financial Goals” was written and presented by Victoria Wright and Janet Swope. Janet Swope is on staff. Janet has earned her Bachelor’s degree and is certified as a Financial Health Counselor with over 17 years of experience as a financial counselor/educator. Janet will be available to answer your questions. Victoria Wright has volunteered as a contributor of financial education information to Butterfly. Victoria has earned her Juris Doctorate degree. Victoria is a Financial Educator and Attorney. Victoria is not on staff and therefore is not available to answer questions.


The cost of this financial education course is $12 for an individual or couple.

Joint Sessions

Couples can complete the session together but both are required to participate to receive a certificate of completion.

Fee Waiver Policy

This course is offered without regard to an individuals’ ability to pay. If you feel that you do not have the ability to pay for the session please fill out this fee waiver request and email it along with a copy of any official document that shows income for each adult in the household (pay stubs, tax returns, social security statement, etc.), the number of people in your household, and your name and phone number to  Butterfly will waive fees for families that are 150% of federal poverty guidelines or less.
Download the Butterfly fee waiver request form.

To view our documents, please use Adobe Reader. You can download Adobe Reader free here.

Services Offered other Languages

Butterfly services are offered in English only. We will be happy to refer you to an Approved Agency in your preferred language.

Source of Funding

Butterfly's source of funding is the fee it receives for its credit counseling session and financial education course. Butterfly does not pay or receive fees or other consideration for referrals.

Please Note: Please proceed with the knowledge that Butterfly Financial Education will not give you legal advice or be responsible for the consequences of any of your financial decisions.