Debtor Education FAQs

Q: Why is Debtor Education Necessary?

A: Current Bankruptcy law requires that all consumers wishing to eliminate debts under Chapter 7 or 13 take part in a personal financial management instructional program from a United States Trustee approved agency. This program is sometimes referred to as Personal Financial Management Instruction or Debtor Education. This education must take place prior to discharge of a petitioner’s debts.

Q: Where is 1 $ Wiser Consumer Education, Inc. approved to offer Personal Financial Management Instruction Certificates of Completion?

A: 1 $ Wiser is approved to issue Certificates in Compliance for a course in personal financial management in all Judicial Districts except those in Alabama, Illinois, and North Carolina. Approval does not endorse or assure the quality of an Agency’s services.

Q: When can I take my course?

A: At any time, 24/7. However, under normal circumstances, your instructor will be interacting with you M-F between the hours of 9:00 A.M. and 5:00 P.M. Central Time and on Saturdays between the hours of 10:00 A.M. and 3:00 P.M. Central Time.

Q: What information will I need to provide to register for the course?

A: The following is a summary of the information you will need to provide:

  • Your full name
  • The district in which you reside (a list is provided at time of registration)
  • Your case number
  • Your address
  • Your email (you do not have to have an e-mail address to access our course)
  • Your phone number
  • Last 4 digits of your social security number
  • Driver’s License or official State ID card number
  • Your attorney’s name and email (if using an attorney)

Q: Do a husband and wife need separate Debtor Education if they filed bankruptcy jointly?

A: 1 $ Wiser does not allow joint debtors to register together and take the course together due to recent rule changes from the Department of Justice - Executive Office of the United States Trustee. Each person must individually register and successfully complete the course with a score of 70% or better before certificates of completion can be issued.

QHow long is my session?

A. The length of the course is 2 hours broken down into discrete sections. You may stop at any time and restart from the page on which you left off.

Q: Can you fail this Course?

A: No. Everyone who completes the course will receive a Certificate of Completion. There is however a graded test at the end of the course. Debtors who do not score at least 70% will receive a phone call or email from an instructor to review each question you missed to ensure understanding of the principles taught before the Certificate of Completion can be issued.

Q: Will 1 $ Wiser let the court know when I have completed this required course?

A: Yes. We will email you, and your attorney if you are using one, a certificate of completion for this course. We will file your certificate of completion with the court provided the court has granted 1 $ Wiser Consumer Education, Inc. filing priveleges. 

Q: How much does the instruction cost?

A: 1 $ Wiser Consumer Education, Inc. charges $39.99 per person for those who register and take the course online. This price includes filing your certificate of completion directly with the court on your behalf.

Q: What determines an individual’s ability to pay?

A: 1 $ Wiser’s Budget & Credit Counseling and Personal Financial Management Instruction (Debtor Education) are offered to clients/debtors without regard to a client’s/debtor’s ability to pay in compliance with 28 CFR Part 58 Final Rules, (

A fee waiver or fee reduction requested by an attorney on behalf of one of his/her clients will be automatically granted. A separate request must be made for each client and each program.

1 $ Wiser Budget & Credit Counseling is offered to clients without regard to a client’s ability to pay provided the client’s attorney requests reduced fee or pro bono counseling. A client/debtor who is not represented by an attorney may request reduced fee or pro bono counseling and debtor education however separate requests must be made for each program. Clients applying for bankruptcy protection pro se (without an attorney) based upon total household income below 150% of the Department of Health and Human Services poverty guidelines or for any other reason must request reduced fee or pro bono counseling in writing. This request must be in writing with the client/debtor’s name(s), telephone number, and email address, and must be accompanied by the following documents:

  1. Names, ages, and relationship to client/debtor of all members of the family or household
  2. Last 2 pay stubs for all adults (18 +) in the family or household or proof of public assistance for each adult in the family or household
  3. Last 2 bank statements for each adult (18+) in the family or household
  4. Prior year’s Federal Tax Return if item #2 is not available

Alternately, if the client has received a waiver of court filing fees for in forma pauperis debtors, a copy of the fee waiver from the court may be submitted and will justify pro bono counseling.

Requests may be faxed to 940-687-9077 or emailed to Additional policy details may be obtained from 1 $ Wiser at 1-800-496-2440.

All requests will be reviewed within 72 business hours of receipt.

Q: How do I Pay?

A: You or anyone else may pay with a debit or credit card during the registration process.

Q: Is 1 $ Wiser Consumer Education, Inc. a Non-Profit Organization?

A: Yes. 1 $ Wiser Consumer Education, Inc. is 501 (c) (3)organization.



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