Bankruptcy Courses

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    Required Bankruptcy Courses

    (with Free or Fee-Waiver Options)

    1. Pre-Bankruptcy Credit Counseling

    • What it is: A mandatory session before filing for bankruptcy. You’ll review your finances and explore alternatives to filing. You must complete this course and file the certificate to legally proceed.

    • Cost: Typically $20–$50, but many agencies offer fee waivers if your income is low (often ≤150% of the federal poverty guideline).

    • How to access for free:

      • Request a fee waiver when registering for the course—many nonprofit agencies will approve it based on your income.

      • Upsolve, for example, is a nonprofit that guides users to approved providers and teaches how to petition for waivers—even offering a free filing tool for Chapter 7 cases.

    2. Post-Filing Debtor Education (Financial Management Course)

    • What it is: Another legally required course taken after filing, typically before the court grants your discharge. It focuses on budgeting and rebuilding financial health.

    • Cost: Generally $10–$50, with fee waivers often available.

    • Free access:

      • You can ask for a fee waiver based on financial need.

      • Platforms like Upsolve also help with navigating and applying for the waiver process.

    Examples of Providers & Resources

    • Upsolve: Offers a free Chapter 7 filing tool and assists with locating approved providers and fee waiver processes.

    • DebtorCC: A nonprofit, U.S. Trustee–approved provider for credit counseling. Fee waivers are available.

    • InCharge: Offers the post‑filing debtor education online, available 24/7, with certificates issued promptly.

    • BKCert (DECAF): Approved provider offering both required courses online and via phone. Fees may apply; ask about waivers.

    • Evergreen Class: Offers both pre‑ and post‑bankruptcy courses, and provides a free “7 Steps to a 720 Credit Score” bonus course after completion.

    Summary Table

    Requirement Free Option? Notes
    Pre‑Bankruptcy Credit Counseling Yes (via fee waiver) Mandatory to file. Many non‑profits offer waivers.
    Post‑Filing Debtor Education Yes (via fee waiver) Required for discharge. Waiver often available.
    Free Filing Tool (Chapter 7) Yes (via Upsolve) Includes help locating providers and waiver process.
    Bonus Educational Content Yes (Evergreen’s credit score mini-course) Added value if completing required courses.

    Next Steps for You

    1. Use Upsolve to assess eligibility and start the course waiver process.

    2. Contact an approved credit counseling agency—ask specifically for a fee waiver based on income.

    3. Choose a provider that’s approved by the U.S. Trustee Program (check with the U.S. Courts or Justice Department list).