Bankruptcy Pre-Filing Counseling and Pre-Discharge Education

The following guidelines will be used in determining whether a fee waiver or reduction is warranted for bankruptcy pre-filing couseling and pre-discharge education.  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/householdPoverty Guideline150% 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.