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. 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 either have to retake the exam or speak to an instructor 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: Ability to pay must be determined on a case-by-case basis. In general an attorney must request a reduction in fee or a fee waiver. Debtors applying for bankruptcy protection pro se (without an attorney) whose current household income is at or below 150% of the proverty level as defined by the Department of Health and Human Services, must request reduced fee or pro bono instruction in writing. This request must be in writing and must be accompanied by the following:

  1. Name and email address of the individual requesting reduced fee or pro bono instruction.
  2. Names and relationship to debtor of each members of the family or household
  3. Pay stubs for the past 2 pay periods for each adult (18 years and older) in the family or household or award letter if receiving public support
  4. Current bank statements for each adults in the family or household
  5. Prior year’s Federal Tax Return if item #2 is not available

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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