Since 1995 Welcome Take control of your financial situation! A Personal Financial Management Instructional Course by Consumer Education and Training Services (“CENTS”) Click here - For details. Bankruptcy Requirements The new bankruptcy laws require filers to complete a personal financial management instructional course. INNOVO (Latin for "to renew") is CENTS' approved course to meet this requirement. Click here. The Problem: Today's Consumers Need Better Financial Literacy Over one and half million families filed for bankruptcy last year. Nine Million families were in credit counseling. Consumer debt, as measured by the Federal Reserve, is at an all time high. Home mortgage foreclosures are up more than three-fold over the last generation. Credit card default rates and car foreclosures are at record levels. The number of people under 26 filing for bankruptcy tripled between 1995 and 2000. An Effective Solution: CENTS Consumer Education and Training Services (CENTS) is a non profit community organization formed in Seattle, Washington in 1995 by bankruptcy and legal service professionals in response to the alarming increase in the number of financially troubled individuals. CENTS' mission is to empower consumers to take control of their financial situations. Through education and training, CENTS assists consumers to improve their financial situations and prevent, or overcome, serious money issues. CENTS also provides programs and mentorship to businesses and organizations that want their employees, membership, and/or clients to achieve financial literacy. CENTS is located within the offices of the King County Bar Association and has received donations or grants from the Washington State Bar Association Creditor/Debtor Law Section, the Consumer Protection and Education Fund, and members of the Washington bankruptcy bar. Programs / Projects | Utilizing CENTS History | Press | Support CENTS | Contact Us | Home - Seattle, Washington | 206 267-7017 | info@centsprogram.com