Get The Facts

Debtor education, post-filing course, pre-discharge course, and personal financial management class all refer to the same class. This is the class you need to take after your bankruptcy case is filed.

The Second Bankruptcy Course can be completed online or by phone in both English and Spanish.

Yes, there are no additional fees charged for taking the Second Bankruptcy Course together.

Yes. After completing the course, you will have the opportunity to download and email the certificate. It is your responsibility to provide a copy of the certificate to your attorney or email them a copy at this point. Second Bankruptcy Course can reissue the certificate at any time at your request.

The certificate is valid for a certain period of time. Please contact your attorney for additional clarification.

Both courses are required. The Bankruptcy Code requires individuals to complete credit counseling before filing for bankruptcy, subject to certain exceptions, and requires debtor education to be completed after the bankruptcy case is filed.

No, but most individuals choose to work with a bankruptcy attorney.

No, you may complete the course without notifying a bankruptcy attorney.

In a chapter 7 case, you must take the debtor education course: (1) after you file your bankruptcy case and (2) within 60 days after your first meeting date with your creditors and bankruptcy trustee. This meeting is also known as a Sec. 341 meeting (named after Sec. 341 of the Bankruptcy Code which requires it).

In a chapter 13 or chapter 11 case, the debtor education course must be taken (1) after you file your petition for bankruptcy and (2) no later than the last payment you have to make as required by your bankruptcy plan, or the filing of a motion for entry of a discharge.

Yes, Second Bankruptcy Course LLC is approved by the United States Trustee to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services. Second Bankruptcy Course is also approved to issue certificates in compliance with the Bankruptcy Code by the Bankruptcy Administrators in the Northern, Middle and Southern Districts of Alabama, and the Eastern, Middle and Western Districts of North Carolina.

To complete the automated telephonic course, call 800.554.1147 Monday through Friday, 8am-8pm ET and a representative will take payment and send you into the course – no appointment necessary. alternatively, you can register online 24/7 and follow the instructions to call into the course. You must provide a valid email address to take the telephonic course.

Our post-filing debtor education course is available for $20. If you are filing a joint bankruptcy, you are only required to pay one fee to take the course.

We accept Visa, Mastercard, American Express and Discover.

Yes, Second Bankruptcy Course is committed to maintaining your privacy and online confidentiality, including the use of special encryption to protect your personal information. Please see the Privacy Policy for more information.

The post-filing debtor education course takes a minimum of 2 hours. This time requirement conforms to the Executive Office for U.S. Trustees (EOUST) minimum program guidelines.

A timer appears in the upper right side of the screen during the online course. You cannot be certified if you do not spend at least 2 hours on the course.

You can begin the course online at anytime or call 800.554.1147 Monday through Friday, 8am-8pm ET and a representative will take payment and send you into the telephonic course.

No appointment is necessary. You may begin 24/7 online. alternatively, you can call 800.554.1147 Monday through Friday, 8am-8pm ET and a representative will take payment and send you into the telephonic course.

Yes, if another individual has a power of attorney, they may take the course on your behalf. You may also obtain assistance from a friend, family member or attorney when completing the course.

After completing the post-filing debtor education course online, your certificate is immediately available to print, download and email. If the course is completed by phone, your certificate will be sent to the email address provided at registration.