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. 

  • The Consumer Federation of America (CFA) is 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.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

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  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.