Another requirement for successful discharge in Chapter 7 bankruptcy is the “Debtor Education Course,” which you must complete after filing your petition and before your discharge can be granted.These courses are available in-person, online, and even over the phone, and must be approved by the U.S. Trustee. Classes include information on managing finances, wise use of credit, and creating and maintaining a budget. The window of time between your filing and potential discharge is rather small for Chapter 7, but your attorney can help you find a qualifying course. The average Debtor Education Course costs between $50 and $100, according to the U.S. Trustee’s office, and approved agencies are required by law to explain the fees upfront without adding extra costs.Remember that this course is different from the Credit Counseling Briefing, which must be completed before you file (with limited exceptions).If you’re struggling with debt and considering filing for bankruptcy, you are not alone. Contact an experienced bankruptcy attorney today for a free consultation.
The Debtor Education Course
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