Bankruptcy Pre-Filing Counseling and Pre-discharge Education

The following guidelines will be used in determining whether a fee waiver or reduction is warranted.  These amounts are based on the 2017 U S Census Poverty Thresholds.  New EOUST Guidelines state that families with income less than 150% of the Poverty Guidelines for the Contiguous 48 States are presumed to be entitled to a fee waiver.  However, the final decision is up to the discretion of the counselor based on the individual/family’s ability to pay after analyzing the filer’s income and discretionary living expenses; for example, unusual or extravagant living expenses or purchases will be taken into consideration in determining whether a fee waiver or reduction is warranted.  For families/households with monthly income exceeding the 150% Threshold below, there will not be any fee waiver or reduction except in cases of extreme situations or circumstances.

Persons in family/household Poverty Guideline 150% Threshold

2017 HHS Poverty Guidelines
Persons in family/household Poverty Guideline 150% of HHS Poverty Level
1 $12,060 $18,090
2 $16,240 $24,360
3 $20,2420 $30,630
4 $24,600 $36,900
5 $28,780 $43,170
6 $32,960 $49,440
7 $37,140 $55,710
8 $41,320 $61,980


For families/households with more than 8 persons, add $6,270 for each additional person to the 150% Threshold.