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Debtor Education
Getting your Debtor Education certificate is one of the final steps of the bankruptcy process. Register online now to get on your way to a fresh start!

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Debtor Education
For limited computer access, take your Debtor Education course by phone. Call (800) 435-9138 or register below.

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After Filing for Bankruptcy: Debtor Education Course

After you file for a Chapter 7 or Chapter 13 bankruptcy, a Debtor Education Course is required by law. Non-profit Consumer Education Services, Inc. (CESI) is approved by the Executive Office of U.S. Trustees and Bankruptcy Administrator to issue certificates in compliance with the Bankruptcy Code.

Before your debts can be discharged in bankruptcy, a timed 2-hour Debtor Education Course must be completed to earn a bankruptcy certificate.

What is the Debtor Education Course?

  • Must be completed after the Pre-Filing Credit Counseling and prior to discharge
  • 2 hours in length (required by law)
  • Personal financial management course designed to help you construct a post-bankruptcy plan for financial stability and success (includes tips on budgeting, money management, and using credit wisely)
  • Free automatic filing of your certificate with the court (with bankruptcy attorney approval)
  • Same low price for single or joint filers (never any hidden fees)
  • Live counselor support Monday through Saturday
  • Immediate certificate delivery to you and/or your bankruptcy attorney

What You’ll Need:

If you have NOT filed for bankruptcy yet, you need to get your, Credit Counseling Certificate first.