Q.) How long is the Pre-Discharge Debtor Education Course?
A.) You must spend at a minimum of 2 hours in the course. If you haven’t had any activity during the duration of the course, we will ask you to confirm you are still present taking the class. If you are idle for too long, or the system will log you out. If you finish the class too quickly you will be required to go back to previous chapters until the minimum 2 hour timer has fully lapsed. When taking the course, take your time. Read the material and do the activities, don’t rush. You will need to spend 2 hours taking the class, so use it for your benefit, the course has great information to help you learn important financial skills so you can better prepared for the future.
Q.) How much is the course?
A.) Anyone can take this informational course for free, if you wish to obtain a certificate of completion, the certificate fee is $19.95 The certificate fee includes a certificate issuance for an individual or joint filers (no additional fee for spouse), Credit Counselor communication if needed, email to Attorney of course completion, and filing of certificate with court (if requested).
Q.) Can I get the course for free?
A.) In order to obtain a fee waiver, and get the course for free, you must meet fee waiver guidelines.
Fee Waiver Policy: The fee is waived in cases where the debtor has income less than 150 percent of the poverty guidelines of the current year, as published by the United States Department of Health and Human Services (HHS) website (http://aspe.hhs.gov/poverty/index.cfm). Income documentation from debtor is required prior to fee waiver issuance. We will do a preliminary evaluation to see if you qualify for a fee waiver prior to paying for the course. We ask you to provide us with the number of people in your household, and your yearly gross income. If you meet the current guidelines based on the information provided, we request that you send us supporting documentation via email at . Upon receiving supporting documentation, we will issue the fee waiver within one business day.
Q.) How do I request a fee waiver if I meet qualifications?
A.) Debtors are asked to provide the number of people in their household and their gross income during registration. If you meet the above mentioned guidelines for a fee waiver, you will need to provide us with any piece of evidence that supports your income (e.g. paystubs, EBT statement). We ask that you emails us a written request (as part of the email body) and supporting documents to: . Upon receiving supporting documentation, we will issue the fee waiver within one business day.
Q.) When should I take the Pre-Discharge class?
A.) If you have already filed for Bankruptcy protection, and have been provided with a Bankruptcy Case Number, then you should get started with the Pre-Discharge class as soon as possible. Please be sure you don't delay taking this class, this is very important, as it may affect your bankruptcy discharge! Contact your attorney or your bankruptcy court for more information on the deadline as to when you need to take this course by. Don't procrastinate, the sooner you start, the sooner you can get done! Click here to get started.
Q.) Do I have to take a test to pass the course?
A.) Good news is that if you complete the entire course, you will receive your certificate of completion – regardless of what you score on the Final Exam. You cannot fail this course.
Here's how it works: You take the course online, and after every chapter there are few multiple choice questions for you to answer. If you answer a question incorrectly, the system will highlight the questions you missed, and you will select a different answer, until you have answered each question correctly. At the end of the course, you will take a Final Exam. It has 20 multiple choice questions. If you score 70% or higher then you have completed the course. If you score lower than 70% then a Credit Counselor will email you after reviewing your answers, and provide you with explanations on the ones you missed, and give you an opportunity to ask any course related questions you may be unclear about. Following this online communication, the Credit Counselor will mark your session complete. You will receive your certificate of completion within one business day, after completion.
Q.) How do I get my certificate of completion?
A.) You must completed the entire course to receive your certificate. Upon issuance of certificate, we will email you a notification letting you know that it is ready. You will then be able to log back into the class, and open it, save it, or print it at your convenience. We save the certificate in your back office, so access it anytime by logging back into the site.
Q.) What qualifications do your Instructors/Credit Counselors have?
A.) Our Instructors/Credit Counselors are required at all times to maintain a certification as a Credit Counselor by a third party that specializes in Credit Counselor Certification or higher financial certification offered by a financial education institution. These certifications may require continuing education, and/or passing an exam every two years.
Q.) If I am not able to finish the class all at once, can I come back to it and finish it later?
A.) Absolutely! You can come back at any time to finish the course, simply log back in and continue where you left off. Your progress is saved every time you leave the course.
Q.) My attorney said to take a "Personal Financial Management Course" is that the same as this class?
A.) Yes, you are in the right place! The "Personal Financial Management Course" is also referred to as the Debtor Education Course, and Pre-Discharge Course.
Q.) Does the class meet all the requirements needed to satisfy the Personal Financial Management Course Certificate of Completion after filing for bankruptcy?
A.) Yes! We are approved to issue certificates evidencing completion of a Personal Financial Management Course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a provider's services.