A Debtor Education Course must be completed after your attorney has filed your bankruptcy petition, but before you receive your discharge of your debts.
Depending on where you live and which agency you use, you may be able to complete the course by telephone, in person or over the Web.
The Debtor Education Course is intended to help you make the best possible use of the fresh start bankruptcy provides. The course should include information on creating a budget, managing money and using credit wisely, among other things.
For other approved courses, check the U.S. Trustee's list at www.usdoj.gov.
The cost of the Debtor Education Course may vary depending on location, the agency you use, and whether you complete the course in person, by phone or via the Internet.
The U.S. Trustee's office indicates that you can expect to pay between $50 and $100 for your Debtor Education Course.
The online Start Fresh Today Debtor Education Course is priced at $49. Start Fresh Today also offers a telephonic Debtor Education Course for $59.
The agency cannot charge an extra fee for the required certificate.
Your Debtor Education Course must be completed after
In a Chapter 7 bankruptcy case, that provides a fairly small window of time during with the course must be completed - Chapter 7 cases typically last only four to six months.
In a Chapter 13 bankruptcy case, you'll have more time to complete the course, but completing the course earlier in the process might be helpful to you as you adjust to living on the strict budget that a Chapter 13 repayment plan requires.
The Credit Counseling Briefing and the Debtor Education Course are two completely separate requirements. Both courses are required of all personal bankruptcy filers.
The Credit Counseling course must be completed before filing your petition with the court, and you must include a certificate of completion with your filing.
You must complete the Debtor Education Course after filing, but before discharge.
Are you thinking about filing bankruptcy and have questions about the debtor education course or other bankruptcy requirements?
If so, it can be a good idea to talk to a bankruptcy lawyer. All you have to do is fill out the form on this page and we'll put you in touch with a bankruptcy attorney near you.
Return to the Chapter 7 bankruptcy main information page.