Your Final Step Toward a Fresh Financial Start
The debtor education course, also known as the Post-Filing Bankruptcy Course, is the second and final step required in the bankruptcy process. It must be completed after filing for bankruptcy, as failure to do so can prevent the courts from discharging debts.
At DebtErasers, we make it simple and affordable to complete this final step. You’ll gain the financial skills needed to make smarter money decisions and avoid falling back into debt after bankruptcy.
Why Is the Debtor Education Course Important?
This mandatory course ensures you’re better prepared to manage your finances after bankruptcy. If you do not complete it, your case won’t be discharged, and you’ll miss the opportunity for a clean slate.
What You'll Learn
As you complete the class, you’ll learn skills like:
- Budgeting and financial techniques
- Using credit responsibly
- Understanding credit scores and reports
- Planning for saving and emergencies
These skills are designed to help you stay debt-free after your case is closed.
Course Format & Completion Time
The course is offered 100% online for your convenience and takes about 1 to 2 hours to complete. After finishing, you’ll receive a certificate of completion, which is also sent directly to your bankruptcy attorney.
You can also complete the course by phone through our approved partner: Debt Education and Certification Foundation (D.E.C.A.F.)
Pro Tip: Always confirm that your attorney receives the certificate before the court deadline.
How to Register for the Course
As a DebtErasers client, you receive discounted access to the D.E.C.A.F. course.
To register:
- Visit the D.E.C.A.F. Registration Portal
- Select the “After Filing” course
- Use the same login credentials from your Pre-Filing Credit Counseling course
- If you are filing as a married couple, only register once—spouse details will be added during the course.
FAQs
Is This Course Required For Everyone Filing For Bankruptcy?
Yes. You must complete both the Pre-Filing and Post-Filing courses to receive a bankruptcy discharge.
What Happens If I Don’t Complete It On Time?
Your bankruptcy case will not move forward to discharge until this course is completed.
Can I Do The Course Over The Phone?
Yes. You may complete it by phone via D.E.C.A.F.’s toll-free number.
Official Resources
D.E.C.A.F. Fee Waiver Request (PDF)
U.S. Courts: Approved Education Providers
Harvard Bankruptcy Info Guide