Online instruction

  •  The participant contacts TFS.  The agency provides the required disclosures, Affidavit and income verification and fee scale document via website, fax or mail. 
  • The participant will return the signed affidavit, along with a copy of their state or government issued picture ID, proof of income and payment (if not waived).  The affidavit must be signed by the students' attorney.  If the student does not have any attorney the student must have the affidavit Notary notarizes their signature.  The participant can pay by money order or debit card. Under forms see Income Verification.
  • The agency will process the students information and the participant will be emailed a  unique login and password for Money in Motion on the website <a href="/a>  
  • Participants will login to the Money in Motion website using the provided password, verifying identification and completing the demographic survey and a pre instruction test. The system will record the test score.  There is no pre-test answer review provided.    Participants will be guided through the curriculum.  They can choose to read the text or click on the audio version.  Upon completion of a chapter the student will verify they have read and understand the chapter.  The participant will be required to complete a chapter review quiz.  The student can review the correct answers. The chapter quiz scores are not recorded. 
  • The online instruction provides the student interactive forms which can be printed for future use.  Test can also be printed 
  • If the participant has questions they can email the questions through contact information provided on each page.  A response will be emailed to them within 24 hours, excluding weekend and holidays.
  • The participant can log in and out as often as they wish using their unique password.  A timing mechanism has been built in to the software to track the participants time spent in instruction.  If the participant spends excessive time without activity the timer will resent to zero.
  • At the conclusion of chapter 8 quiz, the participant's time is reviewed.  If the participant has recorded at less than 115 minutes they will be referred to previous chapters for additional instruction 120 minutes is the minimum required time that must be achieved in order to take the post test and evaluation. The post test score will be recorded. The system will record the date and time and the total time spent when the participant submits the evaluation.
  • TFS will review the debtor participants test scores to determine if any follow up is needed.  If the participant fails to achieve a passing score TFS will initiate a phone call to the student.  The purpose of the call is to review the material. In any event a certificate issue will occur within the 3 day time limit.  
  • TFS will go to the EOUST website, following the guidelines and provide the certificate to the participant or their attorney to reflect compliance for bankruptcy discharge.
  • TFS will use the comparison of the pre and post test scores to evaluate the effectiveness of the program in addition to the participant's evaluation.
  • Spouses are treated as individual students for the entire process from disclosures to certificate.