POST BANKRUPTCY COURSE
Post-bankruptcy involves implementing a court-approved plan to repay debts or liquidate assets.
Your bankruptcy course solution
This course is required before your Chapter 7 or Chapter 13 bankruptcy case can be discharged. If you have already filed for bankruptcy and have a bankruptcy case number assigned by the court, please click "Start A New Course" to sign up.
This course is offered in partnership with APFSC, and there are other approved courses that also fulfill this requirement. Click here for a list of all approved debtor education providers in your state. If you have already filed for bankruptcy and have a case number, you may have already completed credit counseling and might need to complete the personal financial management course instead. Please go back to the Abacus homepage and select "Second Course."
If you're not sure which course you need, please call customer service at 1-800-717-9789 for assistance.
About the Course
Our Certificate:
Our debtor education certificate fulfills the personal financial management course requirement for both Chapter 7 and Chapter 13 bankruptcy filers. This course must be completed after filing your bankruptcy case. Once you finish the online course, you can immediately print or download your certificate. Additionally, we will email your certificate to you and your attorney.
Filing of Certificates:
At the end of the course, we will ask if you would like us to file your certificate with the court. We are able to electronically file your certificate within one business day of course completion (usually sooner). There is no additional charge for this standard filing service. If you need faster service, you can choose to rush the filing for $14.85 per household, and we will submit your certificate to the court within two hours during business hours.
Course Duration:
The course is required by law to be at least two hours long. You can complete it all in one session or take breaks as needed. The system saves your progress automatically, so you can resume where you left off whenever you return.
Cost:
The internet-based course costs only $36 per household, and there is no extra charge for married couples filing jointly. We offer a money-back guarantee. If you are not satisfied with the course, you can receive a full refund up until the point your certificate is generated.
Prefer to Take the Course by Phone?
If you prefer to take the course over the phone, you can start the phone-based course immediately by calling 1-800-717-9789 (available 24/7).
Joint Filers:
Married couples filing jointly may take the course together or separately. Either way, separate certificates will be issued for each spouse.
Read-Along Audio Course:
For just $4.95 per household, you can choose to have the course read aloud to you as you progress through the modules. You can pause and replay the audio as much as you need to fully understand the content.
Have Additional Questions?
Please refer to our FAQ or contact us via phone or email. You can also find more details in our Disclosure Form.
faqFrequently Asked Questions
Yes! The law permits our company to file debtor education certificates with the court. We provide this service at no extra charge to either you or your attorney and we will file the certificates within about one day of course completion. For an additional $14.95/household, you can also select to have your certificate(s) rush filed with the court (within two hours during our business hours, Monday through Sunday). This is especially helpful if your filing deadline is approaching.
Yes, you are required to take one course before you file for bankruptcy and a second course, debtor education, after you file. We provide the second course. (This course should be taken once you have your case number.)
No. You can take our course by phone or online 24/7. The course is available at all times.
We accept credit, debit and pre-paid debit cards issued by Visa, MasterCard, American Express and Discover. We also accept money orders mailed to us at: 3830 Vanalden Avenue, Tarzana, CA 91356
