After filing for bankruptcy, individuals generally complete an approved personal financial management course before discharge. The post-filing program covers practical budgeting, money management, credit, and consumer information.
What to expect
- Create or sign in to your secure portal account.
- Complete the approved course sections in order.
- Complete the course assessment.
- Speak with a counselor as required.
- Follow certificate status through your portal account.
The post-filing debtor education course is not offered in Oregon. Confirm an approved provider before enrolling.
Ready for the second course?
Start a new post-filing enrollment or sign in to resume.
Fee-waiver review
We offer a fee-waiver program. To apply for a waiver of the $25 course fee, complete the Fee Waiver Request Form for final review and approval. We will review the information you provide and let you know whether you qualify for a fee waiver based on that information and whether your income is less than 150 percent of the poverty guidelines published by the United States Department of Health and Human Services. A chart is included with the form. You will be contacted within 1–2 business days with the results of your request.
Please submit both the completed fee-waiver form and either Schedule I (if prepared) or proof of income, such as one month of pay stubs, unemployment statements, or disability benefit statements, for review.
Download the Fee Waiver Request Form (fillable PDF)
Not sure which course you need?
Post-filing debtor education is the second course, completed after filing. If you have not filed yet, review Pre-Filing Credit Counseling.