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Online Debtor Education

Course Policies, Procedures and Disclosures is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval by the U.S Department of Justice does not endorse or assure the quality of a Provider's services.


The fee for is $9 USD. This fee includes all course materials, course support and a completion certificate upon completion of the course. The certificate will be issued within 3 business days of course completion by our staff. If you need your certificate delivered immediately, this can be arranged as our company does offer optional same day certificate delivery via e-mail for an additional fee of $5 USD (excludes weekends and holidays)

IMPORTANT: it is YOUR responsibility to get your certificate to your legal counsel and/or the court of jurisdiction handling your case. will make every effort to provide your certificate of completion to you in a timely manner. If you do not receive your certificate within 3 business days after completion of the course, 1. Check your email spam or junk mail folders and 2, contact our office immediately so that your email address and delivery can be confirmed. In rare cases, an ISP will block incoming user mail and not return any notification of such action, leaving both parties unaware that non delivery of the certificate has occured. does not pay or receive referral fees for the referral of debtors.

The services provided by are available for free or at a reduced rate based on the debtor student's ability to pay.

This applies to those individuals with a current household income that is less than 150% of the income of the official poverty guidelines as identified by the United States Department of Health and Human Services applicable to a household of the same size.

If your sole source of income is from disability, or you are receiving legal services on a pro-bono basis, will also reduce or waive the course fee.

To request a fee reduction or waiver submit a letter (or email) explaining the hardship to the following address:
Attn: Fee Waiver Department
5737 Kanan Rd. #153
Agoura Hills, CA 91301

or by email to :

Note: same day certificate processing shall not be available for accounts with waived fees.

Miscellaneous is available on the Internet 7 days a week, 24 hours a day, 365 days of the year.

Free bilingual instruction is available through Google by visiting This will enable full site translaton for multiple languages for better comprehension.

A course instructor will be available during business hours to answer any questions that a student has when taking the course. Our regular business hours are Monday - Friday (8:00am - 5pm PST).

The course instructor holds both a Bachelor of Science degree in business administration as well as as a CHFC (Chartered Financial Consultant) certification and has been counseling individuals in personal financial management for over 20 years. It is our goal that every course participant receives the chance to re-establish financial stability within their lives and attain their goals through responsible financial habits. has an obligation to provide a certificate of course completion promptly (within 3 business days) upon completion of the course.

For a certificate to be issued, the debtor must provide the Bankruptcy Case Number and the Judicial District where the bankruptcy case is filed. may disclose debtor information to the United States Trustee in connection with the United States Trustee's oversight of or during the investigation of complaints, during on-site visits, or during quality of service reviews.

The United States Trustee has reviewed only the instructional course provided by The United States Trustee has neither reviewed nor approved any other services provided by will only provide a certificate of completion if the debtor has met the requirements for course completion.

By proceeding with the course registration your hereby agree to the above terms and release of any liability associated with your participation of this course and in the outcome of your bankruptcy case.



Clicking "Agree and Continue" indicates your acceptance of the terms, conditions and disclosures included above.


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