The Debtor Education Course: 

After you have filed for bankruptcy, your lawyer will tell you when you need to complete this online class. 

(Until then, don't worry about it.)

Filing for bankruptcy is like jumping through hoops.  Easy to do if you know you have to do it.  The thing to remember is that it is just the process you have to go through towards financial freedom.  It's easier than you think, and its worth it!

The Debtor Education Course - Your “Ticket Out” of the Bankruptcy Process
The Debtor Education Course is a mandatory part of the bankruptcy filing process, which must be completed after your bankruptcy attorney has filed your bankruptcy petition, but before you receive a discharge.

Courses are available in person, by phone and via the Internet. A course that is approved by the U.S. Trustee’s list will include information on creating a budget, managing finances, and using credit wisely.

Where Can I Find an Approved Debtor Education Course?
You’ll find an affordable, interactive, online Debtor Education Course from a number of sources that your attorney might recommend.  A full list of approved courses is available at the U.S. Trustee’s Office.

Is the Debtor Education Course Expensive?
Of course the cost will vary depending on a number of factors, including where you live and whether you sign up for an online, phone or live course. However, the U.S. Trustee’s office states that the average course runs between $50 and $100. Law requires an approved agency to tell you the fees up front, without any extra cost for issuing the certificate.

When Should I Complete My Debtor Education Course?
The Debtor Education Course must be completed after you’ve filed your bankruptcy petition and before you receive your discharge. Because you will be filing for Chapter 7, you will only have a fairly small window of time during which the course must be completed.  Your attorney will tell you when to complete this course. 

How this Different from the “Credit Counseling” Course?
The Credit Counseling Course and the Debtor Education Course are both requirements for bankruptcy filing, but are completely separate. Each requires completion of a different program a separate certificate for proof that you completed both two programs.

You must receive proof of finishing the Credit Counseling Course before you file, and with some very limited exceptions, your bankruptcy case will be dismissed if you have not completed the Credit Counseling Course beforehand. The Debtor Education Course must be taken after filing, but before discharge.  Your Attorney will explain the process to you specifically and will guide you through it.