After completing the filing for bankruptcy and Credit Counseling, Debtor Education Course by an EOUST-Approved Provider are required to complete by you. To receiving a bankruptcy discharge, According to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) consumers who would like to receive a discharge of a Chapter 7 or Chapter 13 bankruptcy are required to complete a personal financial management session with an approved counseling agency. This course is also known as the post-bankruptcy counseling, debtor education course, pre-discharge course, post-filing bankruptcy debtor education course, or the post-bankruptcy course. Consumers must complete this mandatory session prior to receiving a discharge.
All individual bankrutpcy filers are required to complete pre-discharge debtor education and pre-bankruptcy credit counseling. These may not be provided at the same time. Before you file for bankruptcy, Credit counseling must take place also debtor education must take place after you file.
Certificate of completion for both debtor education and credit counseling are required but before the filer’s debts can be discharged. Only debtor education course providers and credit counseling organizations that have been approved by the U.S. Trustee Program may issue these certificates. Find an approved debtor education provider or credit counseling agency.
001 Debtoredu LLC is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not assure or endorse the quality of a provider’s services.
Approval Process for Debtor Education Courses and Credit Counseling
In North Carolina and Alabama, the bankruptcy administrator approves debtor education providers and credit counseling. Lists of approved providers for the six judicial districts in North Carolina and Alabama are maintained by the bankruptcy administrator for that bankruptcy court or district.
An entity seeking to become an authorized debtor education provider or credit counseling in North Carolina or Alabama must go through an application process administered by the bankruptcy administrator for that district.
A bankruptcy estate administration program also known as The United States Bankruptcy Administrator Program, established by the federal judiciary, presently serves only the six federal judicial districts in the States of North Carolina and Alabama.
In the Department of Justice the bankruptcy administrator program is separate from the U.S. trustee program, and information on the application process for debtor education course providers and credit counseling agencies in any jurisdictions other than Alabama and North Carolina can be found on the Department of Justice website
What is the Debtor Education Course?
1. Personal financial management course designed to help you construct a post-bankruptcy plan for financial success and stability (includes tips on money management, budgeting, and using credit wisely)
2. 2 hours in length (required by law)
3. Must be completed after the Pre-Filing Credit Counseling and prior to discharge
4. Same low price for single or joint filers (never any hidden fees)
5. Free automatic filing of your certificate with the court (with bankruptcy attorney approval)
6. Immediate certificate delivery to you and/or your bankruptcy attorney
7. Live counselor support Monday through Saturday with extended hours