Frequently Asked Questions (FAQ)

Q: Why do I have to complete this course to receive my bankruptcy discharge?
The new Bankruptcy Act enacted by Congress requires individuals filing Chapter 7 or 13 bankruptcy to complete an instructional course in personal financial management AFTER filing bankruptcy and prior to receiving their bankruptcy discharge. Our Bankruptcy Debtor Education Course meets this requirement.

Q: When do I take this course?
You should take this course AFTER you file bankruptcy. The law requires that you take this course within 45 days after your 341 Meeting.

Q: Is $$ Bankruptcy Debtor Education approved to issue certificate of completion?
Yes. $$ Bankruptcy Debtor Education, is approved to issue certificates in compliance evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Provider’s services. The certificate you receive satisfies the requirements of the law for debtor education. We are not a pre-bankruptcy credit counseling agency.

Q: What are the benefits of using Bankruptcy Debtor Education for my pre-discharge debtor education?
Bankruptcy Debtor Education, was founded on the concept of a “no hassle” approach to helping individuals meet their debtor educational requirement to satisfy the new bankruptcy requirement. We are not here to sell debt management software, kits, DVDs, books, credit offers, credit repair and the like. We are here to help you— help you get it done, and help you move on.

Q: How do I pass the course?
As long as you get a 70% or more on the course quiz, you will receive the Certificate of Completion required by the law. If you don't get a 70% or more on the quiz, a customer service representative will contact you to review the course materials with you.

Q: How much does the course cost?
The cost for the course is $ 7.95 per household. Joint filers are welcome to take the course together if they wish.

Q: How will I pay for the course?
You or your attorney may pay online by debit card, credit card, or money order. If you choose to pay by money order, mail it to $$ Bankruptcy Debtor Education, 21001 N. Tatum Blvd. Suite 1630-299, Phoenix, AZ 85050. Please include your name(s), phone#, email, bankruptcy case number, and judicial district (bk court) along with your money order.

Q: Can my attorney pay for the course?
Yes. Your attorney may pay by debit or credit card.

Q: How long is the course?
The bankruptcy laws require the course to be a minimum of two hours. Feel free to take as long as you need. However, you must spend a minimum of two hours in order to receive your certificate of completion.

Q: Where can I take the course?
You may take the course from any location with internet access such as your home, your office, your attorney’s office, a public library or an internet cafe. The course is available to you at any time, 24 hours a day.

Q: Where do I go to take the course?
Go to Click on the English or Curso Espanol link to begin (English version or Spanish version).

Q: What if I do not have an email address, can I still take your course?
Yes. You must have a unique email address in order to use the system. The reason for this, is that all communication and automated messages are sent via email. If you do not have an email address, you can always ask permission to use your attorney/banruptcy preparer's email address. Or, you can create a personal email address at or

Q: Once I’ve started the course, can I stop and start the course again at a later time?
Yes. You can start, stop and save your course whenever you like and log in and out as many times as you need. You can go at your own pace.

Q: How will I receive my Certificate of Completion?
At the time of registration, you can choose to have your Certificate of Completion emailed, mailed, or faxed to you and/or your attorney. Certificates Of Completion are typically sent (via methods selected) on the same day, or next day, depending on the time of completion.

Q: Who else can receive my certificate?
You will have the option of having a copy of your certificate emailed or mailed to your attorney.

Q: Can I get my certificate on the same day I complete the course?
When you register for the course, you will need to select the “email the certificate to me” option as how you want the certificate sent to you. We are very popular with debtors and attorneys because we can get your certificate to you on the same day! If you do have a same day request, we ask that you or your attorney email us at as soon as possible.

Q: What if I want an additional copy of my certificate at a later time?
You may contact us and make your request at

Q: Who is responsible for filing my certificate of completion?
You and/or your attorney/bankruptcy preparer are responsible for submitting your certificate to the bankruptcy court. Bankruptcy Debtor Education does not submit certificates to the bankruptcy courts. We so not offer this service at this time.

Q: Who do I contact if I have questions?
Contact us at

(877)-291-9448 (FAX)

Q: What information will I need to provide to register for the course?
Your full name
The district you filed your bankruptcy case in
Your case number
Your address
Your email
Your phone number
Your attorney’s name and email (if you are represented by an attorney)
How you heard about this course
Verification that you are actually the person taking this course

Q: In a joint bankruptcy case, does my spouse have to take the course separately?
If you wish, you and your spouse can take the course together. You are not required to however. If you choose to do the course separately though, each of you will need to register separately and you will each pay $ 7.95.

Q: What is a Form 23?
A Form 23 is another term used for the Certificate of Completion that we provide you after you complete this course.

Q: Does Bankruptcy Debtor Education send the certificate of completion directly to the bankruptcy courts.
No. You or your attorney/bankruptcy preparer (if you have one) will need to file your Certificate of Completion with the Bankruptcy Court.

Q: What if I have not received my certificate of completion within 24 hours after completing the course?
If you have completed your course more than 24 hours ago and have still not received your certificate of completion via email (if you’ve requested it), please check your spam, bulk, or junk mail folders. If you find the e-mail there, your ISP or your spam-blocker or filter software is diverting our email. You will need Adobe Reader to open and print your certificate of completion. If you do not have Adobe Reader, you may download it for free at


Q:  Can I receive a fee waiver?

$$ Bankruptcy Debtor Education will waive all bankruptcy education fees for clients whose household income is 150% or less of the federal poverty guidelines as specified by the U.S. Department of Health and Human Services for a household or family of the size that is the basis of the fee determination. Prior to taking the debtor education course, please send a request to or fax to 877-291-9448. Please include household income documentation so that we can evaluate your eligibility for the fee waiver.  $$ Bankruptcy Debtor Education will also waive the course fee if the US Bankruptcy Court waived the initial bankruptcy filing fees.  A copy of the fee waiver can be mailed, emailed, or faxed to our customer service and the fee will be waived. If the filing fee was not waived by the US Bankruptcy Court, a copy of Schedule “I” from the debtor’s bankruptcy schedules can be emailed or faxed to our customer service. The fax number is 877-291-9448 or email to We will review all documentation and requests for fee waivers to determine if the debtor qualifies for a fee waiver. When a fee waiver is granted, a customer service representative will contact the debtor to provide the login and password to take the online debtor education course.**If a debtor(s) does not provide the necessary documentation for a fee waiver, he/she understands that a fee waiver request will not be considered and/or a fee waiver granted by $$ Bankruptcy Debtor Education.


IPAD Users

To access the courses on your iPad, you must install the EduBrite app, which is freely downloadable from iTunes.

If you experience any issues with the app, here is some very helpful troubleshooting information:

1. Try clearing the cache function in the app, and signout and signin again. This can be useful in case of any problems like network connectivity. This is useful when you don't see your enrolled course in the list.

2. If while accessing the lessons, some lessons are not opening, try to open the settings page and click the Synchronize button (this button will be visible only if the app has not yet sent some activities to the server, this can happen when you are going too fast through the course or if the network connection has problems). If you do need to Synchronize, then also do Step 1 after completing the Synchronize action.


Some email providers filter messages based on content, subject line, or the sender's address and may put your email into the bulk or junk mail folder.

Please make sure is on your "approved sender" list or "whitelist" and/or your "address book". Occasionally an ISP will institute mail controls that block your email completely without your knowledge. We often do not even receive notice of such a block. The only solution to this problem is for you to be aware what triggers your ISPs blockage and make sure they understand you want to receive our email.

Spam Blockers/Filters and Email Software

If you have recently installed a new email software or a new program to help defeat spam/junk, make sure you check the settings. The "defaults" are often much more restrictive than you might wish. Please see our very general suggestions to get started.