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If you are planning to file bankruptcy and have already obtained a bankruptcy-counseling certificate, you’ll need to get a bankruptcy education certificate.

To get a bankruptcy education certificate, you’ll need to take a debtor education course offered by an approved provider. This education course will help you with managing your money, creating and maintaining a budget, and using credit appropriately. 

Education can take place in person, on the phone, or online. Once you’ve finished the course, make sure you have your certificate. Two separate certificates are needed, so make sure you have both of them.

Money Management International (MMI) offers a pre-discharge bankruptcy education program, which covers a variety of financial and budgeting topics, assuring you have the tools necessary to build a strong financial foundation. 

Pre-discharge education programs cover:

  • Wise money management and credit use
  • Setting achievable financial goals
  • Calculating your net worth
  • Creating a livable budget
  • Building a savings plan
  • Obtaining credit reports
  • Establishing or re-establishing credit 
  • Disputing errors
  • Protecting yourself from identity theft

For your convenience, the pre-discharge education program is available by telephone, in-person (in select markets), and online 24 hours a day, 7 days a week at The education program is available in English and Spanish. 

Upon completion of the program, you will be promptly issued a certificate of participation that allows you to proceed with the bankruptcy discharge process. Timely certificate delivery is offered by email, fax, or mail.