Bankruptcy Credit Counseling

REGISTRATION

• Is this course a requirement for filing bankruptcy?

  Yes. The law requires that you must complete a pre-filing bankruptcy counseling course within the 180-day period before you file a bankruptcy case. This is a mandatory course.

• Will this course satisfy the requirements for both chapter 7 and chapter 13 cases?

  Yes. Our bankruptcy course is approved to satisfy the requirements for both chapter 7 and chapter 13 bankruptcy cases.

• How do I get started with the bankruptcy course?

  To register for the first bankruptcy course, please visit:
  https://www.debtorcc.org/bankruptcy-credit-counseling-course.aspx.

• Do I have to take this course only when your customer service is open?

  No. The course is available to take 24 hours a day, 7 days a week, and 365 days a year. You may register for the course and take it at any time.

• When should I take the first bankruptcy course?

  The first bankruptcy course should be taken prior to filing for bankruptcy. The first bankruptcy course is also known as the pre-filing bankruptcy credit counseling, bankruptcy credit counseling, pre-bankruptcy credit counseling or credit counseling certification. The law requires that you must receive credit counseling within the 180-day period before you file your bankruptcy.

• What information do I need to register for the first bankruptcy course?

  You need the following information to register for the first bankruptcy course: first name, last name, and the last 4 digits of your social security number.

• Can my spouse and I take the bankruptcy course together?

  Yes. You and your spouse can register and take the bankruptcy credit counseling course together or separately.

• I mistakenly registered for the first bankruptcy course without my spouse. Can I add my spouse onto the account at a later time?

  Yes, if you have not already spoken to a counselor and received a certificate of completion, you may add your spouse to the account. Please send an email to support@debtorcc.org with your request. Please include your first name, last name, last 4 digits of your social security number, the email address that you registered with, and a confirmation that your spouse was present with you during the course.

• Can I take the first bankruptcy course if I do not have an attorney?

  Yes. You are not required to have an attorney to take this first bankruptcy course.

• Do you also offer the second bankruptcy course?

  Yes we do. To register for the second bankruptcy course that should be taken after your bankruptcy case has already been filed, please visit: https://www.debtoredu.com/post-bankruptcy-course.aspx.

BANKRUPTCY COURSE

• Is this bankruptcy course approved by the US Trustee?

  Yes. The bankruptcy credit counseling course provided by DebtorCC.org is approved by the US Trustee.

• Is this bankruptcy course approved in Alabama and North Carolina?

  Yes. This course is approved in all districts of Alabama and North Carolina by the Bankruptcy Administrator.

• What states are you approved in?

  DebtorCC.org is approved to provide bankruptcy credit counseling (first bankruptcy course) in all US states and territories.

• How long is the first bankruptcy course?

  The course is not timed. As long as you complete the course and chat with a credit counselor, you will be provided a certificate of completion.

• What will I learn during the first bankruptcy course?

  The first bankruptcy course will cover money management, budgeting, budget counseling, and a review of your net worth. There will also be a discussion of the factors that led to your financial difficulty and suggestions on how to overcome your financial difficulty.

• What formats do you offer for the bankruptcy course?

  This bankruptcy course is offered in written, audio, and video formats.

• Do I have to complete the bankruptcy course in one sitting?

  No. If you log off the pre-filing bankruptcy credit counseling without completing it, our website will remember where you left off once you log back in. You can finish the course at your own pace. The course is available 24 hours, 7 days a week.

• Does the first bankruptcy course have a final test?

  No. This first bankruptcy course is a no-fail course – you cannot fail it. As long as you complete the online portion of the course and chat with a credit counselor during regular business hours of Monday - Friday 9am to Midnight EST, you will have successfully completed the first bankruptcy course and you will receive a certificate of completion.

• How can I download a copy of the course material?

  A copy of the course material will be available for download upon completion of the course. If you are already logged out, please log in to your account using the following link: https://www.debtorcc.org/login.aspx.
  
  Once logged in, please click on the button titled ‘View Completion Certificate’. You will then see a link to download the full course material.

• Will you share my information with anyone else?

  We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. We may release your information when we believe releasing it is appropriate to comply with the law, to enforce our site policies, or protect ours or others rights, property, or safety. We are also required to release your information if requested by the United States Trustee’s Office.

• Will the information that I enter on your website become part of my bankruptcy case?

  No. The information provided to us during the course is used only to provide you with the pre-filing bankruptcy counseling service. The information will not become part of your bankruptcy case.

PAYMENT

• What is the cost of the first bankruptcy course?

  The first bankruptcy course is $19.95 per household.

• What forms of payment do you accept?

  We accept credit, debit, and prepaid cards that have a Visa, MasterCard, Discover, and AmericanExpress logo.

• Can someone else pay for the course on my behalf?

  Yes. Anyone is allowed to make a payment on your behalf by using a credit or debit card.

• Is it safe to input my credit card information on your website?

  Yes. As the #1 provider of bankruptcy courses nationwide, we take every measure to protect our clients’ personal information. We use Authorize.net to process payments. All payments will be made over a secure encrypted connection so credit card numbers and private details cannot be stolen in transit. This is as secure as online ordering can be.

• How can I request a refund?

  We provide a 100% money-back guarantee prior to your certificate being issued. To request a refund, send an to support@debtorcc.org. Please be sure to include your first name, last name, last 4 digits of your social security number, and a reason for requesting a refund. Refunds are only granted if requested within 6 months of registration.

• My attorney provided me with a billing code but it does not work on your website. What should I do?

  If the billing code does not work on our website, please contact your attorney for assistance. We are prohibited from disclosing your attorney’s billing code.

• How do I request a fee waiver?

  During registration, we will notify you if you qualify for a fee waiver. If you qualify, you must submit the paperwork that we request and wait a minimum of 72 hours for us to make a determination. Please do not submit multiple inquiries for a fee waiver as it will delay the review process.

CERTIFICATE

• When will I receive my certificate?

  Your certificate will be available to download immediately upon completing the course and chatting with a credit counselor. We will provide the certificate for download in your account, email you a copy, and also send a copy to your attorney if you provided their email address. You may also request a physical copy of your certificate by mail.

• I finished the bankruptcy course. How can I get a copy of my certificate?

  To download a copy of your certificate, please log in to your account using the email address that you registered with and follow the instructions. Here is a link to the login page: https://www.debtorcc.org/login.aspx.

• What certificate delivery options do you offer?

  Your certificate of completion can be emailed, faxed, or mailed to you. If you have an attorney or preparer, a duplicate copy of your certificate will be provided to your attorney or preparer if you provide their information.

• Will you send a copy of my certificate to my attorney?

  Yes. If you provide us with your attorney’s email address, we will submit a copy of the certificate of completion to your attorney.

• My attorney did not receive my certificate. What should I do?

  Send an email to support@debtorcc.org requesting that we send a copy of your certificate to your attorney. Please be sure to include your first name, last name, last 4 digits of your social security number and your attorney’s email address in the email that you send us. We will send a copy to your attorney by email.

• What happens after I receive my certificate?

  You will have to file the certificate with the appropriate bankruptcy court evidencing that you completed the course. If you have an attorney, your attorney should file the certificate with the court for you along with your bankruptcy petition.

• How long is the first bankruptcy course certificate valid for?

  The first bankruptcy course certificate is valid for 6 months. If it has been more than 6 months since you have previously taken the first bankruptcy course, you must take the course again.

• Will you file the first bankruptcy course certificate with the court on my behalf?

  No. Course providers are not permitted to file the first bankruptcy course certificate with the bankruptcy court. If you have an attorney, your attorney should file the certificate with the court on your behalf.

TROUBLESHOOTING

• What should I do if I do not remember my password?

  Use the forgot password feature by visiting the following link: https://www.debtorcc.org/forgot-password.aspx.
  
  If you still cannot log in, please send an email to support@debtorcc.org requesting that we reset your password. Please be sure to include your first name, last name, and last 4 digits of your social security number in your email.

• I was kicked off the course and can't get back in. What should I do?

  Please visit the login page and input your email address that you registered with and your password to log back in: https://www.debtorcc.org/login.aspx.
  
  If you have forgotten your password, you may request a password reset at the following link: https://www.debtorcc.org/forgot-password.aspx.

• I am trying to login to take the course but the system will not recognize my email address. What should I do?

  Please make sure that you have already registered for an account. If you have not registered, you may create an account at the following link:
  https://www.debtorcc.org/bankruptcy-credit-counseling-course.aspx.
  
  If you have registered but do not remember your password, please use the forgot password feature to request a new password at the following link:
  https://www.debtorcc.org/forgot-password.aspx.
  
  If you still cannot access your account, please send an email to support@debtorcc.org letting us know that you are having difficulty logging in. Please be sure to include your first name, last name, and last 4 digits of your social security number in the email, and we will help you log in to your account.

• I mistakenly took the second bankruptcy course instead of the first bankruptcy course. What should I do?

  Please send an email to support@debtorcc.org to notify us that you took the wrong bankruptcy course. We will provide you a full refund and you may proceed with taking the first bankruptcy course using the same login information that you used.
  
  To take the first bankruptcy course, please login at the following link:
  https://www.debtorcc.org/login.aspx.