Second Bankruptcy Course


Second Bankruptcy Course will provide its instructional course free of charge to debtors meeting the following criteria:

Debtor's family/household has an annual income that is less than or equal to the amount indicated in the right column below. When calculating the family/household income, please include the income of the Debtor's spouse and/or any dependents living in the household. Second Bankruptcy Course requests household size and income information (W2s, paystubs, or Form 103B) from all wage earners in the debtor’s household during course registration in order to perform an initial determination of debtor’s fee waiver eligibility under this criterion. Submission of household information is voluntary, but debtors who decline to provide it will be deemed eligible to pay for the course.

How many persons are in your family/household? If your family/household annual income is less than or equal to this amount*, you are eligible for a fee waiver.
1 $18,210
2 $24,690
3 $31,170
4 $37,650
5 $44,130
6 $50,610
7 $57,090
8 $63,570
For families/households with more than 8 persons, add $6,480 for each additional person.

If you qualify and would like to request a waiver, please email Second Bankruptcy Course at or call 800-214-7030, Monday-Friday, 8am-8pm ET. Alternatively, you may mail a written request for the waiver to:

Second Bankruptcy Course, LLC
4540 Honeywell Court
Dayton, Ohio 45424

Please Note: You will be asked to provide Second Bankruptcy Course with documentation substantiating your qualification for a fee waiver (W2s, paystubs, or Form 103B.)

*The income numbers listed in the table represent 150% of the 2017 federal poverty guidelines for the 48 contiguous states and the District of Columbia set out at