What is the name of the sec­ond bank­ruptcy course I must take? I see debtor edu­ca­tion, post-filing course, pre-bankruptcy class, pre-discharge, post-bankruptcy, bank­ruptcy exit course and per­sonal finan­cial man­age­ment class .

If I am con­sid­er­ing bank­ruptcy, do I need to take the pre-filing bank­ruptcy credit coun­sel­ing course or the pre-discharge debtor edu­ca­tion course?

How long do I have to take the debtor edu­ca­tion course; i.e., when do I need to take this post bank­ruptcy course?

Are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) approved providers of the required bank­ruptcy credit coun­sel­ing and the per­sonal finan­cial man­age­ment course?

Are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) autho­rized by the Exec­u­tive Office for the United States Trustees ( EOUST ) to issue cer­tifi­cates that sat­isfy the court require­ments for per­sonal bankruptcy?

In what states are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) autho­rized by the Exec­u­tive Office for the United States Trustees ( EOUST ) to issue cer­tifi­cates that sat­isfy the court require­ments for per­sonal bankruptcy?

How are the bank­ruptcy coun­sel­ing and debtor edu­ca­tion courses offered?

How much do the courses cost?

What forms of pay­ment do you accept?

Is the infor­ma­tion I sub­mit through this web site secure?

How long is each course?

Do I need an attor­ney to file for bankruptcy?

Can joint bank­ruptcy fil­ers take the pre-filing bank­ruptcy credit coun­sel­ing and debtor edu­ca­tion courses together?

How do I get started?

When and how do I receive my cer­tifi­cate of completion?

Who will receive the cer­tifi­cate of completion?

Why do I have to take a debtor edu­ca­tion course after I have already filed for bankruptcy?

Can another per­son take the bank­ruptcy credit coun­sel­ing or the debtor edu­ca­tion course for me?

Does my cer­tifi­cate of com­ple­tion for bank­ruptcy credit coun­sel­ing and the finan­cial man­age­ment course expire?

Should I fol­low up with my bank­ruptcy attor­ney once my cer­tifi­cate of com­ple­tion has been issued?

What is Form B23 , Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion of Post­pe­ti­tion Instruc­tional Course?

Do I need to meet with a bank­ruptcy attor­ney before I can speak to one of your counselors?


What is the name of the sec­ond bank­ruptcy course I must take? I see debtor edu­ca­tion, post-filing course, pre-bankruptcy class, pre-discharge, post-bankruptcy, bank­ruptcy exit course and per­sonal finan­cial man­age­ment class .
Debtor edu­ca­tion, post-filing course, pre-bankruptcy class, pre-discharge, post-bankruptcy, bank­ruptcy exit course and per­sonal finan­cial man­age­ment class all refer to the same bank­ruptcy cer­ti­fi­ca­tion class. This is the class you need to take before the Court can legally dis­charge your debts.

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If I am con­sid­er­ing bank­ruptcy, do I need to take the pre-filing bank­ruptcy credit coun­sel­ing course or the pre-discharge debtor edu­ca­tion course?
Yes, these courses are required accord­ing to the Bank­ruptcy Abuse Pre­ven­tion and Con­sumer Pro­tec­tion Act of 2005 ( BAPCPA ).

You should first take the pre-filing bank­ruptcy credit coun­sel­ing course. The pre-filing bank­ruptcy credit coun­sel­ing course is also known as a pre-petition coun­sel­ing ses­sion or a bud­get brief­ing. You will be required to pro­vide a cer­tifi­cate of com­ple­tion show­ing you have com­pleted the bank­ruptcy credit coun­sel­ing course prior to fil­ing for bankruptcy.

After fil­ing bank­ruptcy, and after receiv­ing your bank­ruptcy iden­ti­fi­ca­tion num­ber, you will then be required to take the pre-discharge debtor edu­ca­tion course. The debtor edu­ca­tion course is also known as the per­sonal finan­cial man­age­ment course or the post-filing debtor edu­ca­tion course, and com­ple­tion of this course is required before your debts can be legally dis­charged through bankruptcy.

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How long do I have to take the debtor edu­ca­tion course; i.e., when do I need to take this post bank­ruptcy course?
In a chap­ter 7 case, you must take the debtor edu­ca­tion post-bankruptcy class (1) after you file your peti­tion for bank­ruptcy and (2) within 45 days after your first meet­ing date with your cred­i­tors and bank­ruptcy trustee. This meet­ing is also known as a 341 meet­ing (named after chap­ter 341 in the Bank­ruptcy Code which requires it).

In a chap­ter 13 case, the debtor edu­ca­tion post-bankruptcy class must be taken (1) after you file your peti­tion for bank­ruptcy and (2) no later than the last pay­ment you have to make as required by your bank­ruptcy plan, or the fil­ing of a motion for entry of a dis­charge under chap­ter 1328(b) of the Bank­ruptcy Code.

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Are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) approved providers of the required bank­ruptcy credit coun­sel­ing and the per­sonal finan­cial man­age­ment course?
Yes, Access Counseling Inc. (Access) and FES have been approved to issue cer­tifi­cates evi­denc­ing com­ple­tion of the pre-filing Credit Coun­sel­ing and the pre-discharge debtor edu­ca­tion course in com­pli­ance with the Bank­ruptcy Code. Approval does not endorse or assure the qual­ity of a Provider’s services.

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Are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) autho­rized by the Exec­u­tive Office for the United States Trustees ( EOUST ) to issue cer­tifi­cates that sat­isfy the court require­ments for per­sonal bank­ruptcy?
Yes. Both Access Counseling Inc. (Access) and FES have been approved by the Exec­u­tive Office for the United States Trustees ( EOUST ).

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In what states are Access Counseling Inc. (Access) and Finan­cial Edu­ca­tion Ser­vices ( FES ) autho­rized by the Exec­u­tive Office for the United States Trustees ( EOUST ) to issue cer­tifi­cates that sat­isfy the court require­ments for per­sonal bank­ruptcy?

Access Counseling Inc. (Access) is autho­rized to offer pre-filing bank­ruptcy classes and cer­tifi­cates in all the states except Alabama and North Car­olina. Finan­cial Edu­ca­tion Ser­vices can offer post-​​filing debtor edu­ca­tion bank­ruptcy classes and cer­tifi­cates in these same states.

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How are the bank­ruptcy coun­sel­ing and debtor edu­ca­tion courses offered?
The bankruptcy counseling course is available by internet or by telephone. The debtor education course is available by internet only.

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How much do the courses cost?
The pre-filing bankruptcy credit counseling course is available online for only $25 and by telephone for only $25. The pre-discharge debtor education course is available online for $25. If you are filing a joint bankruptcy, you will only be required to pay one fee to take the courses. Access and FES may waive the bankruptcy pre-filing counseling fee and pre-discharge debtor education fee for consumers whose household income is equal to or less than 150 percent of the estimated poverty threshold for their applicable family size as published in the current Federal Poverty Levels Guidelines.

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What forms of pay­ment do you accept?
Payments are accepted online or over the phone. We accept debit cards, electronic withdrawals from checking accounts, and money orders.

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Is the infor­ma­tion I sub­mit through this web site secure?
Yes, Access Counseling Inc. (Access) and FES are com­mit­ted to main­tain­ing your pri­vacy and online con­fi­den­tial­ity, includ­ing the use of spe­cial encryp­tion to pro­tect your per­sonal infor­ma­tion. Please see our Pri­vacy Pol­icy for more information.

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How long is each course?
The pre-filing bank­ruptcy credit coun­sel­ing course takes a min­i­mum of 60 min­utes to com­plete. The pre-discharge debtor edu­ca­tion course takes a min­i­mum of 2 hours. The­ses time require­ments con­form to the EOUST min­i­mum pro­gram guidelines.

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Do I need an attor­ney to file for bank­ruptcy?
Over 93% of con­sumers choose to work with a bank­ruptcy attor­ney to file a per­sonal bank­ruptcy. You can choose to file your­self with the assis­tance of a para­le­gal or legal doc­u­ment assis­tant or legal doc­u­ment pre­parer, also known as fil­ing pro se. Fil­ing pro se requires that you pre­pare your own bank­ruptcy doc­u­ments, under­stand the US Bank­ruptcy Code, and present your case in court. If you choose to work with a bank­ruptcy attor­ney, he or she will usu­ally attend the 341 (a) Meet­ing of the Cred­i­tors, nego­ti­ate with your cred­i­tors, advise you about offers to accept or reject, and give legal advice in gen­eral. A para­le­gal can fill out the nec­es­sary forms, but can­not rep­re­sent you legally or give legal advice about how to fill out the forms, or what the law says about your par­tic­u­lar situation.

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Can joint bank­ruptcy fil­ers take the pre-filing bank­ruptcy credit coun­sel­ing and debtor edu­ca­tion courses together?
For the pre-filing bankruptcy credit counseling course, joint course takers must register and take the course separately. For the debtor education course, joint bankruptcy filers can take the course together.

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How do I get started?
You can begin the courses online by vis­it­ing www.BKClass.com or by call­ing 1-(800)-BK-CLASS.

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When and how do I receive my cer­tifi­cate of com­ple­tion?
After completing the online pre-petition credit counseling course or the post-filing debtor education course, you will be required to contact us to verify your identity and complete the certification process. The certificate will be sent immediately following this, and can be delivered to you and your attorney by email or fax.

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Who will receive the cer­tifi­cate of com­ple­tion?
The certificate(s) can be sent to you and your bank­ruptcy attor­ney by email, fax or mail.

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Why do I have to take a debtor edu­ca­tion course after I have already filed for bank­ruptcy?
The Bank­ruptcy Abuse Pre­ven­tion and Con­sumer Pro­tec­tion Act of 2005 includes two pro­vi­sions man­dat­ing finan­cial coun­sel­ing and edu­ca­tion: Before fil­ing for bank­ruptcy, con­sumers are required to have a brief­ing on the alter­na­tives to bank­ruptcy; and before receiv­ing a bank­ruptcy dis­charge a debtor is required to com­plete an instruc­tional course con­cern­ing per­sonal finan­cial man­age­ment. These pro­vi­sions were included to pro­vide debtors in bank­ruptcy with the skills and tools needed to poten­tially avoid future finan­cial problems.

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Can another per­son take the bank­ruptcy credit coun­sel­ing or the debtor edu­ca­tion course for me?
No.

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Does my cer­tifi­cate of com­ple­tion for bank­ruptcy credit coun­sel­ing and the finan­cial man­age­ment course expire?
Yes, the pre-filing bank­ruptcy credit coun­sel­ing cer­tifi­cate of com­ple­tion issued by Access Counseling Inc. (Access) is valid for up to 180 days after the date that the coun­sel­ing was com­pleted. The pre-discharge debtor edu­ca­tion cer­tifi­cate issued by FES is valid until your court ordered com­ple­tion date for dis­charge. Your bank­ruptcy attor­ney may be able to pro­vide addi­tional clar­i­fi­ca­tion regard­ing these requirements.

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Should I follow up with my bankruptcy attorney once my certificate of completion has been issued?
Yes. Once the certification process has been completed, Access and FES will email, fax or mail a copy of the certificate to you and your attorney. It is your responsibility to follow up with your bankruptcy attorney to ensure that the certificate has been received. Access and FES can reissue the certificate at anytime at your request.

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What is Form B23 , Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion of Post­pe­ti­tion Instruc­tional Course?
Form B23 , also known as Form 23 Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion of Instruc­tional Course , is a form stat­ing that you cer­tify that you have com­pleted a course in per­sonal finan­cial man­age­ment. This Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion must be filed with the Bank­ruptcy Court in accor­dance with fil­ing dead­lines required for Chap­ter 7 or Chap­ter 13.

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Do I need to meet with a bank­ruptcy attor­ney before I can speak to one of your coun­selors?
No, you can talk to a coun­selor by call­ing 1–800-BK-CLASS (1–800-252‑5277) before or after you meet with a bank­ruptcy attorney.

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