Credit counseling before you file is not the only thing you have to do online. There is a second requirement between filing and receiving your discharge called a “Debtor Education Course” or sometimes a “Financial Management Course.”
This course costs $25 for an individual and $45 for a couple to take online, at least with Dave Ramsey, mentioned below. We incorporate this into our cost structure and order this course for you and do all the follow up with the bankruptcy court to make sure it knows you’ve completed this course and it can issue the discharge order.
You can use any course you want, but I’ve reviewed several and nothing compares with Dave Ramsey’s course for its impact and ability to inspire. Most of my clients inform me they enjoyed this course.
I spent two years during the evenings and weekends going to UC Irvine to study financial planning. If I were to design a course that covers the basics of financial planning most people should know from that experience, I could do no better (and probably not as well) than Dave Ramsey has in his course. I think everyone should watch this regardless of whether they’ve had to file bankruptcy or not.
I’ve copied what Dave Ramsey has to say about his own course below. Again, you can choose whatever course you want to take, but this is our recommended course, and it integrates well in our firm’s workflow processes.
Why Dave Ramsey’s Debtor Education Course?
Dave Ramsey’s unique teaching methods consistently inspire, challenge, motivate, teach, and entertain. You will get both the certificate you need to conclude your case, as well as the skills you need in order to turn your life around.
- BE TAUGHT how to handle finances and win with money.
- BE EMPOWERED by Dave's common sense money principles.
- BE ENTERTAINED by Dave's captivating, humorous delivery.
- BE GRATEFUL you didn't get stuck in a boring class!.
- BE INSPIRED by a man who's been bankrupt and rebuilt his life.