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 Online Counseling: Disclosure (Step 1 of 9)
Financial Counseling and Education Disclosure

Financial Counseling and Education Disclosure

  • All mpowered credit counselors maintain an Accredited Credit Counselor Certification provided through the Association for Financial Counseling and Planning Education (AFCPE).

  • Mpowered, as a non-profit, is supported by contributions from clients, creditors, private individuals, grants and other donations. These sources of income include but are not limited to grant funding, fair share contributions, private donations, and fee-for-service programs.

  • Fees for Counseling Sessions: The initial counseling session will be provided at no charge. If a client enrolls in a Debt Management Plan, a $50.00 enrollment fee will be charged. All fees are disclosed in writing prior to enrollment in any of our programs. Counseling Sessions are provided regardless of ability to pay.

  • Our counselors have expertise in helping those with financial problems, but cannot provide you with legal advice as they are not lawyers. We will provide you with the appropriate direction and advice for your financial situation in a non-judgmental format. You may be referred to other resources that we do not provide.

  • If you enroll in a Debt Management Program, it will impact your credit file. Your accounts will be frozen and an entry can be posted to your individual accounts on your credit report by the creditor. This entry will be removed by your creditor after you have completed the program. Mpowered, as a credit counseling agency, does not report any information directly to any credit bureau.

  • Mpowered will act as a liaison between our clients that are enrolled in our Debt Management Program and their creditors. We cannot be held responsible for any errors on the client's behalf or for any errors on the creditor's behalf. Client understands that mpowered is not liable for the collection process on any delinquent accounts enrolled in the program.

  • Credit card companies may change their guidelines and agreements with credit counseling companies at will. We do everything we can to keep ourselves and our clients abreast of any changes in the industry and we advocate on our clients behalf when needed. If a credit card company changes its guidelines prior to a proposal being accepted in the program, we cannot be responsible for changes.

  • Mpowered is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We realize that the concerns you bring to mpowered are highly personal in nature. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations.

  • We may need to disclose information during an audit. All auditors sign confidentiality agreements and do not share any of this information.

  • We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. Personal and financial information entered on the Paragon site is stored on a secure server and is not shared or sold to a third party outside of mpowered.

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We strongly suggest that you try to have all your information at hand so that you may complete the entire application in one sitting. This online application uses secure, encrypted cookies and saves your information on your computer as you complete each step and go onto the next step so that if you do not finish and come back at a later time you may resume where you left off. However, depending on your browser's privacy and security settings there is a chance that your information may be lost if you do not finish, close your web browser and come back. Also, be aware that once you complete this application and click 'Submit' your information is securely sent to us and deleted from your computer for security purposes.


2009 Wadsworth Blvd
Ste. 100
Lakewood, CO 80214
(303) 233-2773
Copyright © 2019, Paragon Financial Services

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