Bankruptcy Certificate Services
Most individual bankruptcy filers complete one approved course before filing and a separate course after filing. Choose the course that matches your filing stage, then register online.
Need a fuller explanation of the two requirements? Review Bankruptcy Counseling and Debtor Education.
Has your bankruptcy case been filed?
Your filing stage determines which course to take.
If you are unsure, review your court documents or confirm with your bankruptcy attorney before registering. Money Fit cannot determine your legal filing stage or court deadline.
Compare the two certificate courses
The courses have separate registrations, fees, requirements, and certificates. They must be completed at different points in the bankruptcy process.
Pre-Filing Credit Counseling
This is generally the first course. It reviews your income, expenses, debts, budget, and possible alternatives before a bankruptcy petition is submitted.
- Most individual filers complete it during the 180 days before filing.
- The course costs $50 per household.
- Online registration is available 24/7/365.
- The certificate is generally issued within one business day after all requirements are completed.
If cost is a barrier, ask Money Fit about its fee waiver or reduction policy before beginning.
Begin pre-filing credit counselingPost-Filing Debtor Education
This is generally the second course. It covers personal financial management after the bankruptcy case has been filed.
- Complete it after filing and by the deadline that applies to your case.
- The course costs $50 per case.
- Online registration is available 24/7/365.
- Have your bankruptcy case number ready to register.
- The certificate is generally issued within three business days after all requirements are completed.
If cost is a barrier, ask Money Fit about its fee waiver or reduction policy before beginning.
Begin post-filing debtor educationWhat happens after you choose a course
Each course page contains its own registration form and instructions. Complete the requirements for the course that matches your filing stage.
- Register on the correct course page Enter the information needed for the pre-filing or post-filing course.
- Complete the course requirements Work through the required material and complete any counselor interaction or identity verification.
- Receive the correct certificate After all requirements are met, the certificate is issued under the approved provider name, Debt Reduction Services, Inc.
Plan for the certificate, not only the course. Course completion does not extend a court deadline or confirm that the certificate has been filed. Make sure the certificate reaches your attorney or court as required.
Frequently asked questions
Which bankruptcy course do I need?
If your bankruptcy petition has not been filed, you generally need pre-filing credit counseling. If your case has already been filed, you generally need post-filing debtor education. Review your court documents or confirm with your attorney before registering.
How much do the Money Fit bankruptcy courses cost?
The pre-filing credit counseling course costs $50 per household. The post-filing debtor education course costs $50 per case. If cost is a barrier, ask Money Fit about its fee waiver or reduction policy before beginning.
When will I receive my bankruptcy certificate?
Money Fit generally issues the pre-filing certificate within one business day and the post-filing certificate within three business days after all course requirements are completed. Allow enough time before a filing or court deadline and follow up if the certificate does not arrive as expected.
Does Money Fit provide bankruptcy legal advice?
No. Money Fit provides approved bankruptcy education through Debt Reduction Services, Inc. It does not advise whether to file, choose a bankruptcy chapter, prepare legal documents, represent filers, or interpret court requirements.
