Debtor Education Disclosure

1 $ Wiser Consumer Education, Inc.
Personal Financial Management Instruction
(aka Debtor Education)

Pre-Discharge Disclosure


1 $ Wiser's Personal Financial Management course, (aka Debtor Education), meets the Federal requirement for 2 hours of financial education before debts can be discharged. This course is sometimes referred to as the Pre-Discharge course.

When you register for this course, you will be required to provide a case number which has been assigned by the court when your Petition for Bankruptcy is filed. This case number, (YY-xxxxx), must be entered on your certificate of completion before the certificate can be issued. If you do not have a case number which has been issued by the court AFTER your case has been filed, (i.e. YY-xxxxx), you are taking the wrong course.



The fee for 1 $ Wiser Debtor Education is $39.99/person. Payment may be made by debit card, credit card, or electronic check from this site during registration. Once the online course has been started, the registration fee is non-refundable. A fee of $3.00 will be charged for certificates of completion sent via U.S. Mail. 

Due to requirements set by the Department of Justice - Executive Office of the United States Trustee, 1 $ Wiser does allow joint debtors to take Debtor Education together. To ensure we remain in full compliance with the rules under which we must operate, each individual must actively participate in completing the course with a score of 70% or better. ​Individuals who fail to complete the test in a satisfactory manner or who receive less than a 70 percent score will receive a telephone call or an email from an instructor to discuss each test question that was answered incorrectly and to ensure understanding of the principles being taught. 


Ability to Pay

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.

Send written request which includes your email address and supporting documents via E-Mail to or fax to 1-940-687-9077.

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

Additional policy details may be obtained from 1 $ Wiser at 1-800-496-2440.


Bilingual Instruction

1 $ Wiser does not provide bilingual Debtor Education. 1 $ Wiser will make every effort to refer clients requiring bilingual instruction to a Provider on the UST's list of approved providers who provides personal financial management instruction in the language requested by the debtor student. 

The US Trustee's list of approved providers can be found at http://list-approved-providers-personal-financial-management-instructional-courses-debtor-education.


Instructor Qualifications

All 1 $ Wiser instructors have received in-depth training in 1 $ Wiser’s program. They receive continuing education to keep current on changes in consumer financial issues in areas such as healthcare, credit cards, mortgages, etc. They are skilled at helping you understand the materials presented and help you apply the new skills in your life. Each instructor has the heart of a teacher and experience in accounting, financial planning, credit counseling, or personal financial management.


Consideration for Referrals

Neither 1 $ Wiser Consumer Education, Inc. nor any of its employees, agents, or partners, receives fees or other consideration for the referral of an individual to 1 $ Wiser’s Debtor Education. Neither 1 $ Wiser Consumer Education, Inc. nor any of its employees, agents, or partners, pays any fees or other consideration for the referral of an individual to 1 $ Wiser’s Debtor Education.


Certificate of Completion

Certificates of Completion are promptly issued. 1 $ Wiser Consumer Education, Inc. files Debtor Education Certificates of Completion directly with the courts on behalf of debtor students. Within three (3) business days of completion of the Debtor Education post test with a score of 70% or better, a Certificate of Completion along with confirmation of certificate efiling with the court will be sent via email to each debtor. The Certificate of Completion will also be posted to each debtor's account page. 


Disclosure of Client Information

Client information may be disclosed to the United States Trustee in connection with the United States Trustee's oversight of 1 $ Wiser Consumer Education, Inc., during investigation of complaints, during on-site visits, or during quality of service reviews.


Annual Review

The United States Trustee's Office has reviewed only the agency's credit counseling services and its personal financial management instructional course pursuant to 11 U.S.C.111(d). The United States Trustee has neither reviewed nor approved any other services 1 $ Wiser Consumer Education, Inc. provides. 


Course Certificate 

A Certificate of Completion will be issued only to a debtor who completes the Debtor Education instructional course. 


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