DOJ-Approved Debtor Education Providers

After filing your bankruptcy petition but before your debts are discharged. For Chapter 7, this is typically within 60 days of your first meeting of creditors. For Chapter 13, it's before the last payment under your plan. The court will not grant your discharge without the completion certificate.

Most courses take approximately 2 hours to complete. They cover budgeting, money management, and the wise use of credit. Courses are available in person, online, or by phone.

No. Credit counseling (pre-filing) and debtor education (post-filing) are two separate requirements. You need both to complete the bankruptcy process. They may be offered by different agencies — make sure you use a provider approved for debtor education, not just credit counseling.

Typically $10-50. Providers must offer fee waivers for those who cannot pay. Some bankruptcy attorneys include the cost in their fees or can recommend low-cost providers.

Alabama and North Carolina operate under Bankruptcy Administrators rather than the U.S. Trustee Program. The DOJ's approved provider lists cover only U.S. Trustee districts. Residents of those states should consult their local Bankruptcy Administrator's office for approved providers.