Client Disclosures

Hananwill Credit Counseling course fee is $25.00 per household. This fee is the same price for both Internet Counseling and Telephone Counseling. This fee can be paid by the client by using a credit/debit card, electronic check, or by mailing a check/money order, or may be billed to the clients Bankruptcy Attorney if the Attorney provides a code to the client.

Hananwill Credit Counseling will not charge a fee to generation of the certificate once the client completes the counseling session.

Hananwill Credit Counseling will only issue certificates to client’s who have completed the entire counseling session and who have called into Hananwill Credit Counseling for their Counselor review.

Hananwill Credit Counseling is obligated to provide a certificate to clients promptly upon completion of counseling services.

Hananwill Credit Counseling may in whole or in part waive the fee for clients who demonstrate a lack or ability to pay.

Hananwill Credit Counseling will waive the entire fee in the Client’s household current income is 100% or less of the Federal Poverty Guideline, and Hananwill Credit Counseling will reduce the fee clients pay to $15.00 for client’s household current income between 100% and 150% of the Federal Poverty Guideline.

A client presumably lacks the ability to pay the entire fee if the Client’s household current income is less than 150% of the federal poverty guidelines updated periodically in the Federal Register by the U.S. Department of Health and Human Services. Click here to see the Federal poverty guidelines.

Hananwill Credit Counseling will also waive the fee for client’s receiving Pro Bono or free legal services through an Attorney.

To determine fee waiver status, a client will need to submit to Hananwill Credit Counseling a written fee waiver request. This can be sent to Hananwill by email at, or by mail to:

Hananwill Credit Counseling
115 N Cross Street
Robinson, IL 62454

In the written fee waiver request please submit the following

Names of all people living in the household.

If employed: 2 most recent pay stubs.

If receiving Social Security, Disability or other Government income assistance: documentation from the appropriate government benefit office is required.

If receiving retirement/pension benefits appropriate documentation from retirement/pension is required.

If receiving any other assistance (child support, food assistance) please send documentation of this assistance from the appropriate Government Agency.

If receiving unemployment documentation from the State unemployment commission is required.

If claiming dependants the first page of most recent 1040 tax return is required.

Hananwill Credit Counseling’s only source of funding is providing pre-bankruptcy credit counseling services.

Client may also negotiate an alternative payment schedule with regards to each unsecured consumer debt under the terms set forth in 11 U.S.C 502(k). Hananwill Credit Counseling does not offer these services. Hananwill Credit may refer clients to another approved agency that offers this service. Additional fees may incur with the connection of such referral.

Hananwill Credit Counseling does not offer Debt Management Plans.

Hananwill Credit Counseling may disclose client information to the U.S. Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigations of complaints, during on-site visits, or during quality of service reviews.

Hananwill Credit Counseling will provide free bilingual counseling services or professional interpreter assistance to any limited English proficient client.

Hananwill Credit Counseling does not receive or pay fees or other consideration for the referral of clients.

Hananwill Credit Counseling course will have no impact on client's Credit Report. Our counseling will however discuss information on other methods to reduce or eliminate debt. Debt negotiation with creditors, entering into a debt management plans, and filing bankruptcy will be discussed. Entering into a debt management plan or filing for bankruptcy does get reported to credit reporting agencies and does reflect negatively on your credit report. Bankruptcy can negatively affect your credit score for up to 10 years depending on the type of Bankruptcy. Chapter 7 will stay on your credit report for 10 years from the filing date, and Chapter 13 will stay on your credit report for 7 years from the filing date.

The U.S. Trustees office has reviewed only Hananwill Credit Counseling's counseling services, and has neither reviewed or approved any other services offered by Hananwill Credit Counseling.

Hananwill Credit Counseling is prohibited from offering legal advice.

Hananwill Credit Counselors have over 25 years of combines Credit Counseling, and Consumer Education experience.

Hananwill Credit Counseling will issue a certificate to each spouse whether counseling was completed individually or in a joint session. If filing jointly both parties need to be present when speaking to a counselor.

Once you talk to a counselor, Hananwill Credit Counseling will issue a certificate of completion. We will send a copy of the certificate to you by email or mail, and we will send a copy to your attorney (If you’re working with one) by email or mail.

Hananwill Credit Counseling is obligated to provide a certificate to the client promptly upon completion of counseling services.

You can reach a counselor at: 877-544-5560

Please remember: We cannot issue your certificate until you call and speak to a counselor at Hananwill Credit Counseling. You will make this call AFTER you complete the online portion of the course.