How to Get a Chapter 7 Bankruptcy Education Certificate

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

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. 

  • Better Business Bureau A+ rating Better Business Bureau
    MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
  • Trustpilot Trustpilot
    MMI is rated as “Excellent” (4.8/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
  • Consumer Federation of America Consumer Federation of America
    MMI is a member of the Consumer Federation of America (CFA), an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • Department of Housing and Urban Development Department of Housing and Urban Development
    MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
  • Council on Accreditation Council On Accreditation
    MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
  • National Foundation for Credit Counseling National Foundation for Credit Counseling
    MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.