how to retake bankruptcy course

Bankruptcy Scholar Certificate Exam: Take the courses at your own pace. Repeat a course if desired. Then, if you studied hard, you are urged to take the 250-question Bankruptcy Scholar certificate examination.

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What is the bankruptcy course?

This course is required before filing for bankruptcy and is approved by the U.S. Trustee's Office and Bankruptcy Administrator. We have designed the first bankruptcy course and website with the user in mind: you will find that it is very simple to use and easy to navigate.

Which credit counseling course do I take when I file bankruptcy?

When you file for bankruptcy, you'll complete two courses—a credit counseling course and a debtor education course. If you're unsure which to take or how to find approved providers, these basics will help: You'll take the credit counseling course before bankruptcy. You'll take the debtor education course after filing your case.

What happens if I don’t complete my bankruptcy course?

You’re not eligible to receive your bankruptcy discharge and obtain a fresh start if you don’t complete the course and file your certificate of completion from the credit counseling agency with the court. Your 341 meeting, or meeting of creditors, will take place about a month after your bankruptcy case is filed.

How do I take the bankruptcy pre-discharge debtor education course?

The Pre-Discharge Debtor Education course can be completed online. There is no required phone call with a counselor. This course can be taken from the convenience of your home computer 24 hours a day, seven days a week. Start Bankruptcy Pre-Discharge Course

How long is bankruptcy counseling?

This is a 1-hour timed course , as required by law. You are not required to complete the pre-filing bankruptcy credit counseling in one sitting. If you log off mid-course, upon signing back in, it will resume from where you left off.

How much is the first bankruptcy course?

The First Bankruptcy Course is only $19.95 per household. Married couples can take the bankruptcy credit counseling together or separately. The first bankruptcy course is available 24 hours a day, 7 days a week. You can take the course at your own convenience and at your own pace.

Is bankruptcy course required before filing for bankruptcy?

This course is required before filing for bankruptcy and is approved by the U.S. Trustee's Office and Bankruptcy Administrator. We have designed the first bankruptcy course and website with the user in mind: you will find that it is very simple to use and easy to navigate. Our audio feature adds an element of fun and interaction to the course. The course also includes interactive charts that will help you plan a budget and visualize where you're exceeding on your spending.

Can you fail the bankruptcy course?

First Bankruptcy Course. The course is easy to navigate and very informative. Remember, this is a no-fail course – you cannot fail the course. Time. This is a 1-hour timed course, as required by law.

What About Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is another type of bankruptcy available to consumers. The main difference to Chapter 7 is that you pay back some of your debts through the Chapter 13 trustee. Your monthly payment is based on how much you’re able to pay. This is determined by the means test analysis, your actual income and expenses and the terms of your repayment plan.

What is Upsolve for bankruptcy?

Upsolve is a nonprofit tool that helps you file bankruptcy for free. Think TurboTax for bankruptcy. Get free education, customer support, and community. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. Explore our free tool

When is a 341 meeting?

Your 341 meeting, or meeting of creditors, will take place about a month after your bankruptcy case is filed. You’ll find the date, time, and location of your 341 meeting on the notice you’ll get from the court a few days after filing bankruptcy. Due to the COVID-19 pandemic, all 341 meetings are held either by video conference or via telephone until at least October.

What is the meeting of creditors called?

The date, time, and location of your meeting with your trustee (this is called the “ Meeting of Creditors ” or “341 meeting”)

How many pages are there in bankruptcy?

The bankruptcy forms include at least 23 separate forms, totaling roughly 70 pages . The bankruptcy forms ask you about everything you make, spend, own, and owe. You’ll also include some bankruptcy basics, like what type of bankruptcy you’re filing under and whether a bankruptcy lawyer is helping you.

How long do you have to take credit counseling before filing for bankruptcy?

Take Credit Counseling. Every person who files for bankruptcy has to take a credit counseling course in the 6 months before their bankruptcy petition is filed with the court. This is a requirement in both Chapter 7 and Chapter 13 cases.

What documents do you need to send to a trustee?

The trustee will send you a letter asking you to mail them certain financial documents, like tax returns, pay stubs, and bank statements. If you don’t send the trustee the requested documents following the instructions provided in their letter, you may not get a discharge of your debts.

What is the bankruptcy abuse prevention and consumer protection act?

A: The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 includes two provisions mandating financial counseling and education: Before filing for bankruptcy, consumers are required to have a briefing on the alternatives to bankruptcy; and before receiving a bankruptcy discharge a debtor is required to complete an instructional course concerning personal financial management. These provisions were included to provide debtors in bankruptcy with the skills and tools needed to potentially avoid future financial problems.

How long does it take to complete bankruptcy counseling?

A: The pre-​​filing bankruptcy credit counseling course takes a minimum of 60 minutes to complete. The pre-​​discharge debtor education course takes a minimum of 2 hours. Theses time requirements conform to the EOUST and the Alabama Bankruptcy Administrators' program guidelines.

What is the pre discharge debtor education course?

The debtor education course is also known as the personal financial management course or the post-​​filing debtor education course, and completion of this course is required ...

What is pre filing bankruptcy?

The pre-​​filing bankruptcy credit counseling course is also known as a pre-​​petition counseling session or a budget briefing. You will be required to provide a certificate of completion showing you have completed the bankruptcy credit counseling course prior ...

How long do you have to take bankruptcy classes?

How long do I have to take it after filing for bankruptcy? A: In a chap­ter 7 case, you must take the debtor edu­ca­tion post-​​bankruptcy class (1) after you file your peti­tion for bank­ruptcy and (2) within 45 days after your first meet­ing date with your cred­i­tors and bank­ruptcy trustee.

What is a B23 form?

A: Form B23 , also known as Form 23 Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion of Instruc­tional Course, is a form stat­ing that you cer­tify that you have com­pleted a course in per­sonal finan­cial man­age­ment. This Debtor’s Cer­ti­fi­ca­tion of Com­ple­tion must be filed with the Bank­ruptcy Court in accor­dance with fil­ing dead­lines required for Chap­ter 7 or Chap­ter 13.

Is Access Counseling approved by the EOUST?

A: Yes. Both Access and BKClass Inc. have been approved by the Executive Office for the United States Trustees (EOUST). Back to top. Q: In what states are Access Counseling Inc. (Access) and BKClass Inc. authorized by the Executive Office for the United States Trustees ( EOUST ) to issue certificates that satisfy the court requirements ...

What Is Bankruptcy Debtor Education?

In order to be discharged from Chapter 7 or Chapter 13 bankruptcy, you must complete a Pre-Discharge Debtor Education course. The purpose of this bankruptcy course is to help you remain financially secure and use credit wisely so you don’t end up in bankruptcy again.

What happens if you don't complete debtor education?

If you don’t complete the debtor education course before the deadline passes, the court will typically close your bankruptcy case but not discharge you. So, to wipe out your debts, you must file a motion, pay the required fees and ask the court to reopen your case so that you can file the certificate and obtain a discharge.

What is the bankruptcy law?

This act was signed into law on April 20, 2005, and includes checks and balances to ensure that consumers are equipped to make informed decisions when it comes to filing bankruptcy. It includes the requirement that all Chapter 7 or 13 bankruptcy petitioners complete approved credit counseling and provide to the court a certificate of completion from a U.S. Trustee-approved, nonprofit credit counseling agency . The law also requires all consumers who file for bankruptcy to successfully complete two bankruptcy courses prior to having debts discharged.

How to get credit counseling after bankruptcy?

With Pre-file Credit Counseling, you’ll start online, then receive a personal counseling session by telephone to discuss the details of your current financial situation with a Certified Financial Counselor. Your counselor will help you build an accurate picture of your current finances, then give specific advice on actions you can take to improve it. You’ll also discuss short- and long-term financial goals and determine if there are any alternatives to bankruptcy. The counselor will explain consequences of bankruptcy and actions you can take to get back on sound footing after a bankruptcy.

What happens if you miss Chapter 13 bankruptcy?

Those who file for Chapter 13 bankruptcy must complete the class and file the certification of completion before your last repayment plan payment or before you file a motion for discharge. If you miss these deadlines , the court will dismiss your case. To reopen it, you must repay the bankruptcy filing fee.

What are the exceptions to debtor education?

Exceptions include: being on active duty in a military combat zone. a disability that prevents you from taking the course. no court-approved course providers are available in your area. a course isn’t available in a language you understand.

When was the bankruptcy act signed?

This act was signed into law on April 20, 2005, and includes checks and balances to ensure that consumers are equipped to make informed decisions when it comes to filing bankruptcy. It includes the requirement that all Chapter 7 or 13 bankruptcy petitioners complete approved credit counseling and provide to the court a certificate of completion from a U.S. Trustee-approved, nonprofit credit counseling agency. The law also requires all consumers who file for bankruptcy to successfully complete two bankruptcy courses prior to having debts discharged.

How long do you have to take a 341?

You have 60 days from the initial date of your 341 meeting to take the debtor education course in a Chapter 7 case and file your certificate of completion with the bankruptcy court. This means that even if your 341 meeting is extended to another date, the clock starts ticking from the first date that was set. In a Chapter 13 case, you must take the court before you make your final plan payment. This is why it’s important that you schedule your debtor education course as soon as possible so that if you fail it you can retake the course and still get your discharge.

What happens if you don't pass debtor education?

If you’re unable to pass the debtor education course and your case is closed without a bankruptcy discharge, it will cost you.

What does failure to take a course mean?

However, failure to take the course or to pass it could mean that your bankruptcy case is closed without a discharge. Fortunately, there are a few things you can do to fix the situation if you fail the course.

Can you take the court in Chapter 13?

In a Chapter 13 case, you must take the court before you make your final plan payment. This is why it’s important that you schedule your debtor education course as soon as possible so that if you fail it you can retake the course and still get your discharge.

What side of the course can you use to review a course?

You are now in the course and able to use the left side navigation to jump to any section and step that you would like to review.

What does it mean when you are prompted to change your course?

When prompted, indicate that your situation has in fact changed so a brand new course can be created for you.

Can you review a course without starting over?

You are able to review a portion (or all) of a previously completed course without starting over at course setup. This will let you navigate freely within the course and have access to all of the content previously seen in the last course completion. Retaking the quiz questions can improve your grade however it will not generate a new course completion record / date.

Is a redo required for a course?

The course is a requirement for you and a full redo is needed

What is a retake in PathwayConnect?

Retakes occur when individuals repeat PathwayConnect courses — either academic or religion — that have been previously completed . A retaken course replaces the credit and grade of the same previously completed course if the grade of the course retaken is higher. The highest grade of all the retakes is calculated into the PathwayConnect GPA and earned credits. Previous courses remain on the transcript and are designated as retake courses, but are not calculated into the GPA.

What is a returning student?

A returning student is a student who goes one or more semesters without taking a PathwayConnect course, thus delaying completion of the PathwayConnect program.

Can you take online courses concurrently?

Online-only retake courses and gathering courses may not be taken concurrently.

When Do I Have to Complete the Debtor Education Requirement?

Chapter 13 filers must file the completion certificate before making the last Chapter 13 repayment plan payment.

How Much Does the Debtor Education Course Cost?

If your household income is below 150% of the poverty line, you'll be eligible for a fee waiver. Otherwise, $50 or less is reasonable.

What is Martindale Nolo?

Nolo is a part of the Martindale Nolo network, which has been matching clients with attorneys for 100+ years.

What happens if you don't complete debtor education?

If you don't complete the debtor education course within the specified deadlines, the court will typically close your bankruptcy case without a discharge. This means that if you want to wipe out your debts, you will need to file a motion, pay the necessary fees, and ask the court to reopen your case so that you can file ...

What courses do you need to take to file for bankruptcy?

When you file for bankruptcy, you'll complete two courses—a credit counseling course and a debtor education course. If you're unsure which to take or how to find approved providers, these basics will help:

How long does debtor education last?

Regardless of the method of instruction, the course will typically last at least two hours. If you attend the course in person, an instructor will provide you with course materials and teach you in a class setting.

How much is a reasonable fee for debtor education?

But the new rules published by the Executive Office for U.S. Trustees (EOUST) state that $50 or less is a reasonable fee. If a debtor education provider wants to charge more than $50, it has to get approval from the EOUST. (Learn more about the new debtor education rules .) Fee waivers.