How it works

Required Bankruptcy Course

In 2005, Congress passed the Bankruptcy Abuse Prevention and Consumer Protection Act.

The Act requires that individuals filing for bankruptcy complete a credit counseling course prior to filing. It also requires a debtor education course after filing but prior to discharge. The Debtor Educational Course that Congress has provided is an educational class on money management to those who have filed for bankruptcy so they can gain tools and knowledge to help them avoid bankruptcy in the future.

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Complete the course Online

1.Click Get Started

2.Follow the on-screen instructions to fill in your registration details and pay for the course. 

3.The course will take approximately 2 hours to complete. You do not have to finish it at one time and can return to finish it at your own pace.

4.At the end of the course, you will be tested on your understanding of the course material. You must pass the test with a score of 70% or better. If not, you will be prompted to call a representative.

5.The course completion certificate can be immediately downloaded or emailed. Don't forget to email a copy to your attorney.

Get Started
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Complete the course by phone

1.Call 800.214.7030, 8AM-8PM ET, M-F to register. 

2.You can either be transferred to the automated course immediately or call back and enter the requested information to complete the course at any time.

3.The course will take approximately 2 hours to complete. You do not have to finish it at one time and can call back to finish it at your own pace.

4.At the end of the course, you will be tested on your understanding of the course material. You must pass the test with a score of 70% or better. If not, you will be prompted to call a representative.

5.The course completion certificate will be emailed or mailed within 1 business day.

Contact Us

Only $15 per household with No Hidden Fees

The course will focus on your financial life after bankruptcy. You will want to have your financial information gathered as you will be creating a budget, learning best practices on using credit, creating a savings account for emergencies, and other money management tips. If you file a Chapter 7 you will need to take the course within 60 days after your 341 meeting and if you file a Chapter 13 you will need to take the course before your last payment.