Know where we stand so that we may better serve you

The Mesquite Group, Inc. takes privacy and data protection issues seriously. This Privacy Policy was designed to explain how we handle personally identifiable information collected from individuals who register for our counseling sessions and submit information to The Mesquite Group, Inc. through the Internet.

As our services evolve, we may revise this policy. If you have questions about the privacy policies of The Mesquite Group, Inc., please contact us at You will receive a reply from us by email or phone confirming that we have received your e-mail. If you do not receive a reply, please contact The Mesquite Group, Inc. Our contact information may be found here.

Scope of the Privacy Policy

This Privacy Policy covers our treatment of personally identifiable information collected from our clients who use The Mesquite Group, Inc. as a provider of online financial or money management counseling. This Policy does not apply to the practices of companies that The Mesquite Group, Inc. does not own or control or to people that The Mesquite Group, Inc. does not employ or manage. This Policy is specific regarding The Mesquite Group, Inc.

Information Collection and Use

The Mesquite Group, Inc. collects personally identifiable information when you register and complete the Client Intake Form. When you register with The Mesquite Group, Inc., we ask for your contact information (such as your name, street address and e-mail address), along with billing information such as a bank account and/or credit card number. The Mesquite Group, Inc. uses the information collected to fulfill your requests for online financial or money management counseling, to process payment transactions, to facilitate billing, provide a Certificate of Completion, and otherwise deliver financial or money management counseling. We may need to contact your attorney using the information you provide in order to ensure prompt and correct delivery of your certificate.

We may also send flyers, announcements, letters, or other notices about new products or services offered by The Mesquite Group, Inc., to you or your attorney. Personally identifiable information related to payment processing, such as bank account numbers or credit card numbers are not used for this purpose. The Mesquite Group, Inc. does not market its services to children. Our online financial or money management counseling is intended for use by adults who seek personal financial assistance or who seek to comply with the requirements of the United States Bankruptcy court. The Mesquite Group, Inc. does not request or knowingly collect personally identifiable contact information from anyone under the age of 13.

Information Sharing and Disclosure

Protecting the personally identifiable information about clients and consumers is an important part of our business. We share and disclose such information only as described below.

The Mesquite Group, Inc. sends personally identifiable information about you to other companies or people:

  1. when we have your consent to share the information;

  2. when we need to share your information with third parties, such as banks and credit card processors, to provide the product or service you have requested;

  3. in connection with products and services offered by The Mesquite Group, Inc.

  4. when it is appropriate to comply with law;

  5. when it is necessary to enforce or apply the terms and conditions of our agreement to provide financial counseling and to provide a Certificate; or

  6. when it is necessary to protect the rights, property, or safety of The Mesquite Group, Inc., our users, or others, which may include the exchange of information with other organizations for fraud protection and/or risk reduction. In the event that The Mesquite Group, Inc. is acquired, customer information may be one of the transferred assets.

Information Security

Information security is critical to our business. We work to protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information. The information gathered on secure computers is stored in encrypted databases. The number of employees involved in the management of the data center that have physical access to these computers is limited. We use firewalls and other security technology, as well as implement the highest industry standard security practices, to prevent our computers from being accessed by unauthorized persons.

We also require that any personally identifiable consumer information sent to us by you be encrypted using SSL encryption. To learn more about SSL, go to:

It is important for you to protect against unauthorized access to your user ID and password, other sensitive account data and to your computer. Be sure to sign off when finished using a shared computer and otherwise safeguard any password used to access the online services of The Mesquite Group, Inc. is PCI-DSS certified.

Account Information

If you want to change your account information, such as telephone number, email address, or mailing address, contact The Mesquite Group, Inc. by email or telephone using the contact information provided on the contact us page of this website.

Notice for Non-Us Citizens

The Mesquite Group, Inc. is located in the United States. Its services are intended only for U.S. citizens or residents. All monetary transactions are in U.S. dollars.

Changes to This Privacy Policy

The Mesquite Group, Inc. reserves the right to modify or amend this Privacy Policy at any time and for any reason. If there are material changes to this statement or in how The Mesquite Group, Inc. will use personally identifiable information, The Mesquite Group, Inc. will post notices on The Mesquite Group, Inc. homepage at prior to implementing the change. If you have additional questions about this Policy, please contact us using the information on the "Contact Us" page on this website.

Telephone counseling and call backs on Internet counseling occur during our business hours:
Monday – Friday: 9am – 6pm (Central)

For those completing the Client Intake Form on the Internet, our policy is to call you and issue certificates no later than the next business morning after the session is completed, by 12:00 noon (Central).

If you have a deadline and must have an Expedited Certificate, i.e., you must have your certificate the same day you complete the session, call our customer service number before registering and make arrangements with one of our staff.

Certificates will be issued by the method you select when you register, either email or U.S. Mail

If you also want your certificate sent directly to your Attorney, you must complete at least one of the following:

  1. Enter the Attorney code, given to you by your Attorney, or

  2. Enter your Attorney's name, telephone number, and other contact information. Failure to provide correct contact information for yourself or your Attorney will delay the issuance of your certificate.

Any delay receiving a certificate caused by submitting incorrect contact information, will not be the fault of The Mesquite Group, Inc.

If you complete the online Client Intake Form after business hours on Saturday (6:00 p.m., CST) or Sunday, your call back and certificate will be the following business day (by 12:00 noon CST).

Refund Policy

If you begin the counseling process for a session you need and do not complete the session for any reason, you may be issued a full refund, if you make a request within 45 days of your registration. If you register for a class and do not complete the class. your session will be voided after 45 days. You will need to re-register, pay and take the class again. If your certificate has already been issued and services were rendered, we are unable to issue a refund.

The Credit Counseling session is needed prior to your case filing and the Personal Financial Management session is required after your case has been filed but prior to discharge. If you complete the wrong session when registering online a refund will not be issued nor will the payment be applied to another session. For example, you registered and completed the Credit Counseling session twice instead of taking the Personal Financial Management session or vice versa, or the second session was taken before the first session. Once the session is completed, a refund will not be issued.