Pre-discharge Education

Once you’ve filed your bankruptcy, before it can be discharged, you’ll need to complete a pre-discharge debtor education program.

The debtor education program, Your Next Move, takes two hours to complete. It can be done entirely on the internet through guided self-study and a series of online quizzes. Or, you can download a printed version of the course (PDF) and follow up with a 30-minute telephone assessment with one of our counselors.

Once you’ve completed the program, we’ll provide you a certificate of completion necessary for discharging your bankruptcy.

The fee for the program is $35. In limited circumstances, you may be eligible to have this fee waived.