Cricket Debt/Solid Start Financial Attorney Agreement

1. Cricket Debt/Solid Start

   Cricket Debt Counseling, Inc., and Solid Start Financial Education Services, LLC, are separate legal entities offering complementary bankruptcy counseling services. Cricket Debt Counseling (“CDC”) offers pre-bankruptcy budget and credit counseling, and Solid Start Financial (“SSF”) offers pre-discharge debtors education. In order to make access to and completion of these courses as easy and convenient as possible, CDC and SSF have merged their client databases, so that clients who sign up with either CD or SSF may use their login credentials at either the CD or SSF site, and have access to relevant course materials and information for either course. Likewise, subscribing member attorneys will have access to their CD and SSF client information from within a single Attorney Member Account. This Agreement is by, between, and among you, the Subscribing Attorney, CD, and SSF, as three distinct legal persons.

2. Registration Procedure

   Upon successful registration with CD/SSF as a Subscribing Attorney, you will be assigned a 6 digit Access Code that will be recognized when your clients sign up for the CDC and/or SSF courses. Your clients will use this code to associate their accounts with your Member Account. Depending upon the billing option you have chosen (Attorney Pays, Client Pays, or Attorney Pays on View) your clients may also be able to use this Access Code to access counseling services on CDC’s and/or SSF’s web site without having to provide their own separate payment information. You may specify different payment treatment for a single Access Code across CDC and SSF. For instance, you may have a single Access Code that is Attorney Pays on CDC, but Client Pays on SSF. You may change these settings at any time.

3. Certification Procedure

   When a client requests to begin a new counseling session using your Access Code, that client will be prompted to enter his or her name, and to create a unique user name and password on the CDC/SSF system. If a client uses your Access Code to access CDC/SSF counseling, and you have selected the Attorney Pays or Attorney Pays on View payment option for the particular course, your client will not be asked to provide payment to CDC or SSF (as applicable) directly, but your credit card on file will be charged the Counseling Fee once the client has successfully completed the relevant counseling course and the client’s Certificate has been emailed to you (Attorney Pays), or after you login and authorize the release of the Certificate to your email address (Attorney Pays on View). If you have selected Client Pays billing for a particular course, then your clients will be required to enter their own payment information when registering for that course, and you will not be charged for, nor will you be responsible for payment for, your client’s certificates. Joint married debtors will share one account with a single user name and password but will register both of their names when creating the account. There is only a single Counseling Fee for two Certificates for married debtors filing jointly.

4. Use of Access Code by Clients

   By providing your client(s) with your Access Code, you are specifically agreeing and acknowledging that:

   (a)

   If you have selected the Attorney Pays or Attorney Pays on View billing option, then you have collected the Counseling Fee from each client (or joint married debtor clients) to whom you have provided your Access Code;

   (b)

   You have a written agreement with the client authorizing you to represent the client, and you have established a file for the client which states, at a minimum, the client’s name and address. You hereby represent that you have the authority to pay CDC and/or SSF the Counseling Fee on the client’s behalf (for Attorney Pays and Attorney Pays on View billing options), and to authorize CDC and/or SSF to share with you all information collected and/or generated regarding the client’s counseling on the CDC and/or SSF system, and to authorize CDC and/or SSF to send the client’s Certificate directly to you at the email address you have designated for the purpose.



5. Counseling Fee

   The Counseling Fee is currently $36 for CDC, and $24 for SSF. CDC and/or SSF reserve the right to change the amount of the Counseling Fee from time to time upon reasonable prior notice. If a Subscribing Attorney is providing services to a client pro bono, then CDC and/or SSF will waive its Counseling Fee for that client. Clients may also request a fee waiver directly from CDC or SSF based on their low income.

   Subscribing Attorney agrees and acknowledges that the Counseling Fee is being paid by the client, and (in the case of the Attorney Pays or Attorney Pays on View billing options) forwarded to CDC and/or SSF on the client’s behalf, and that Subscribing Attorney is not charging a fee to the client for CDC and/or SSF counseling, and is not paying or receiving a referral fee of any kind regarding the counseling from CDC and/or SSF. Subscribing Attorney will not charge the client for counseling any more or less than the Counseling Fee, if any, actually being forwarded to CDC and/or SSF by Subscribing Attorney on the client’s behalf.

   Subscribing Attorney specifically agrees and acknowledges that he/she will not charge a client for counseling when the client has been approved for a fee waiver from CDC and/or SSF. If a client is approved for a fee waiver and Subscribing Attorney has not yet been charged by CDC and/or SSF for the client’s counseling, then Subscribing Attorney will not charge the client for the counseling, and will refund any sums paid to Subscribing Attorney by client for the Counseling Fee(s). If a client is approved for a fee waiver and Subscribing Attorney has already been charged by CDC and/or SSF, then CDC and/or SSF will refund the fee(s) for that client to Subscribing Attorney, and Subscribing Attorney will refrain from charging the client for counseling, or if the client has already paid Subscribing Attorney, then Subscribing Attorney will refund any sums paid to Subscribing Attorney by client for the Counseling Fee(s).

6. Care of Access Code by Subscribing Attorneys

   Subscribing Attorneys agree to protect their Access Codes, and to take all reasonable and prudent steps to ensure that the Access Code will not be shared with or used by unauthorized users. Subscribing Attorneys agree to regularly review the Certificates which are emailed to the email address designated for the purpose, in order to confirm that only authorized clients have made use of the Access Code to obtain counseling services from CDC and/or SSF. Subscribing Attorneys agree to report immediately to CDC and/or SSF any unauthorized use of the Access Code, as evidenced by the receipt of Certificates generated on behalf of unauthorized clients. Subscribing Attorneys agree that they will not provide Certificates to any client unless such client has been authorized by the Subscribing Attorney to use the Access Code.

7. Maintenance of Records

   Subscribing Attorneys agree to maintain good and legible copies of all files of clients who have received counseling for a period of not less than four (4) years from the date of counseling.

8. Termination

   CDC and/or SSF reserve the right to terminate Subscribing Attorney’s account and disable the Access Code if Subscribing Attorney fails to abide by any of the terms and conditions set forth in this Service Agreement.