Registration Instructions

1. To register for the course, you must first read and Sign the CENTS Disclosure Form below:

CENTS Disclosure Form

Thank you for your interest in INNOVO, Reconstructing and Re-thinking Money Management After Bankruptcy, provided by Consumer Education and Training Services (“CENTS”). Your course was designed by Karl Frunz and Anthony Leahy. Karl Frunz, a corporate trainer and facilitator by profession, has ten years of classroom experience, including six years teaching personal financial management and consumer credit education. Anthony Leahy, a lawyer and Executive Director of CENTS, has five years of classroom experience, including four years teaching personal financial management and consumer credit education. INNOVO is the third financial education curriculum they have designed for adults.

INNOVO is broken up into ten sections, some of which have quiz questions after them. The first time you watch a section, you will be required to watch it in its entirety. You will have a set of questions to answer afterwards. Your progress will be “saved” only when you complete a section. To complete a section, you must watch the video section in its entirety and complete the section quiz questions. The section quiz questions will be presented individually. You will have multiple chances to answer each question correctly. If you chose to watch a section a second time, you will gain the ability to fast forward through that section (after you have watched it in its entirety the first time).

Within three days of completing this course, CENTS will email your certificate of course completion to the email address you provided. To receive a certificate, you must complete this course and fill out a certificate registration form at the end of the course. Your certificate of course completion will be emailed to the email address you listed on the certificate registration form within 3 days. The certificate of course completion shows you have met the requirement of completing a personal financial management instructional course, as required under the Bankruptcy law. CENTS is committed to providing quality money management education at an affordable price. The fee for this class is $30. The INNOVO fee may be waived by a debtor upon demonstration to CENTS of an inability to pay. To waive the fee, a debtor must provide documentation that he or she had his or her bankruptcy filing fee waived. CENTS does not pay or receive fees or other consideration for the referral of debtors to the Provider. CENTS will make INNOVO affordable, accessible, and convenient.

For more information, please contact us at (206)267-7017 or info@centsprogram.com

By clicking "I Agree" I certify I have read and understood the Disclosure Form.

By clicking "I Agree" I certify that I am completing this course and exam on my own behalf.