RECOF – A Professional Licensing School
Operating under Real Estate Campus of Florida
Personal Financial Management Instructional Course
Post-Bankruptcy Debtor Education
Regulatory Status: Application pending review by the United States Trustee Program. RECOF is not currently an approved debtor education provider.
The standard enrollment fee for the Personal Financial Management Instructional Course is $24.99 per debtor-student.
There is no additional charge for issuance of the course completion certificate.
All applicable fees will be disclosed before enrollment and payment.
RECOF offers fee waivers and reductions to eligible debtor-students experiencing financial hardship.
Debtor-students whose household income is below 150% of the applicable federal poverty guideline qualify for a full fee waiver under RECOF's proposed policy.
Students who do not qualify for a full waiver but demonstrate financial hardship may request a reduced fee.
Fee waiver and reduction requests must be submitted before payment.
[RECOF – Debtor Education Fee Waiver Request]
RECOF will provide language assistance, including bilingual instruction or professional interpreter services, at no additional charge to eligible debtor-students with limited English proficiency.
Students requiring hearing, language, or other communication accommodations should contact RECOF before enrolling.
Designated Instructor: Melissa Pratt
Melissa Pratt is a Florida real estate broker with more than 14 years of professional experience in financial readiness, credit management, mortgage financing, budgeting, debt obligations, and consumer financial education.
She has experience developing and administering online instructional courses through RECOF – A Professional Licensing School.
Ms. Pratt holds an Associate in Arts degree and is completing a Bachelor of Applied Science in Information Management – Security and Network Assurance at Palm Beach State College.
RECOF does not pay or receive referral fees in exchange for referring debtor-students to or from its Personal Financial Management Instructional Course.
The course requires a minimum of 120 minutes (two hours) of instruction.
Students must complete the required instructional lessons, learning activities, and assessments.
RECOF uses Thinkific and supplemental instructional-time tracking procedures to document course participation and progress toward the required instructional time.
Each student must enroll using an individual student account.
Students complete a verification PIN registration process at the beginning of the course and repeat the PIN during the verification process near the end.
RECOF reviews identity-verification information and instructional records before authorizing certificate issuance.
Completion certificates will be issued manually through the applicable United States Trustee Program procedures after the student satisfies the required instructional and verification requirements.
Certificates will not be issued before the required instruction and completion verification are satisfied.
RECOF does not currently hold United States Trustee Program approval to issue debtor education certificates.
RECOF maintains student enrollment, instructional activity, assessment, identity-verification, and completion records in accordance with applicable regulatory requirements.
Student information may be disclosed to the United States Trustee Program for authorized regulatory oversight, complaint investigations, and quality-of-service reviews.
Students may contact RECOF with questions, concerns, accommodation requests, or complaints regarding the instructional course.
Email: [email protected]
Telephone: (954) 368-9941
RECOF will respond to instructional questions and comments within one business day and maintain procedures for reviewing and resolving student complaints.
RECOF's application for approval as a debtor education provider is pending with the United States Trustee Program. The course is not currently approved to satisfy the bankruptcy debtor education requirement. Enrollment for that purpose and issuance of DOJ debtor education completion certificates will not be available unless and until approval is granted.
Before beginning instruction, students will be required to acknowledge that they have reviewed the course disclosures, fees, financial assistance options, instructional requirements, identity-verification procedures, and certificate issuance conditions.
