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What languages are the course offered in?

The Pre-filing Credit Counseling Course is offered in English and Spanish only. The Post-filing Debtor Education Course is offered in English and Spanish only.

Which course do I need to take?

Individuals filing for bankruptcy must complete both the Pre-filing Credit Counseling Course and the Post-filing Debtor Education Course. The Credit Counseling Course must be completed before filing, and the Debtor Education Course must be completed after filing. Both courses may be taken online.

How long does it take to complete the course?

The Pre-filing Credit Counseling Course takes approximately 60 minutes online to complete. The Post-filing Debtor Education Course takes a minimum of two hours to complete. It is required by program guidelines that you spend at least two hours to complete the Post-filing Debtor Education Course.

When will I receive my certificate of completion?

Immediately after completing the course you will be emailed a copy of your certificate of completion. The certificate may also be faxed to you at your request. If you are working with an attorney, your certificate of completion will be emailed to him or her as well if you provided his or her email address during registration.

What are your business hours?

Monday – Friday: 9am – 11pm Eastern
Saturday: 10am - 9pm Eastern
Sunday: 10am - 10pm Eastern

How much does the course cost?

Both courses may be taken online or over the telephone.
The Online Pre-Filing Credit Counseling Course is $14.99. The Online Post-Filing Debtor Education Course is $7.99.
The Telephonic Pre-Filing Credit Counseling Course is $20, plus an additional $10 charge for joint course takers. The Telephonic Post-Filing Debtor Education Course is $20.