All individual bankruptcy filers must complete pre-discharge debtor education. The Financial Management or Debtor Education course must be completed after filing for bankruptcy. A certificate of completion is required before the filer’s debts can be discharged. Only financial management or debtor education course providers that have been approved by the U.S. Trustee’s Program may issue these certificates.

Click here for a list of approved providers of personal financial management instructional courses under 11 U.S.C. § 111. For a list of FAQs regarding financial management and debtor education courses, click here.