Personalized and affordable help for people under financial stress.

Explanation of Classes

Regardless if an individual files a Chapter 7 or Chapter 13 bankruptcy, the debtor will have to complete a “credit briefing course” BEFORE the case is filed, and also complete a “debtor education / financial management course” AFTER the case is filed but before the case is closed.  Below are links of U.S. Trustee approved agencies for those courses.  Please note that some Chapter 13 Trustees provide the “debtor education / financial management course” free of charge.