Debtor Education Course

The second bankruptcy course, also called Debtor Education or the personal financial management course, is a mandatory course you must complete after filing bankruptcy but before discharge. Federal law requires this course so individuals can learn essential skills like budgeting, money management, and responsible use of credit. Without completing this course, you cannot receive your bankruptcy discharge.

The second bankruptcy course is a legal requirement for individuals filing for bankruptcy to ensure they understand how to manage their finances post-bankruptcy and avoid future financial issues. This course is required for you to receive your bankruptcy discharge.

You must take the second bankruptcy course after you file your bankruptcy petition but before the court grants your discharge. For most Chapter 7 cases, this means completing the course within a few weeks after filing. For Chapter 13 cases, it must be completed before you make your final plan payment. Timing is critical, because if you miss the deadline, your discharge could be delayed or denied. Please confirm the exact time to take the course with your lawyer or the bankruptcy court.

Every individual filing for bankruptcy is required to complete the second course. If you filed jointly with your spouse, you both must complete the course. Each filer will receive their own certificate, which must be filed with the court.

If you do not complete the second bankruptcy course, the court will not grant your discharge. This means your debts will not be eliminated, and your case may be closed without relief. To avoid delays or dismissal, it’s important to complete the course well before your court deadline.

Yes, the course is 100% online, allowing you to complete it at your convenience from anywhere with internet access.

The course is available 24/7, so you can start and complete it at any time that fits your schedule.

Yes, our course is approved in all US States and Territories, ensuring it meets the required legal standards.

The course is a 2-hour timed course, but you can complete it by logging in and out at your convenience.

Absolutely. You can log in and out as needed, and the course will resume from where you left off.

The second bankruptcy course on DebtorEdu.com costs $19.95 per household.

We accept payment by all major credit cards (Visa, MasterCard, American Express, Discover). You may use either a credit or a debit card.

You can complete the course on any device with internet access, including computers, tablets, and smartphones.

The certificate is available immediately upon course completion by download and will be emailed to you, allowing you to proceed with your bankruptcy process without delay. If you input your attorney's information during registration, we'll also provide your attorney with a copy.