Registration Information

Second Bankruptcy Course

Terms and Conditions:

Services will be provided without regard to the student's ability to pay. will waive the Pre-discharge Debtor Education fees for students whose household income is less than 150% of the poverty guidelines for their applicable family size as published by the Dept. of Health & Human Services. If a student is receiving legal services pro-bono, if their sole source of income is disability and/or they can show hardship, will also waive the Pre-discharge Debtor Education fees.

Link to Poverty Guidelines:

Submit a letter of need addressing your situation, and include Schedule - I of your bankruptcy petition, disclosing income line 16:


The income for comparison to the poverty guidelines is the "Total Combined Monthly Income" as reported (or as will be reported) on Line 16 of Schedule I of the bankruptcy petition.

Non-cash governmental assistance (such as food stamps or housing subsidies) is not included in calculating debtor income.

The income of a spouse is included in calculating income whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.

The income of any other family member listed on Schedule - I as a dependent also is included.

By Email: (will take up to 48 hours)

By Mail: (will take up to two weeks)
Attn: Fee Waiver Department
PO Box 7262
Lakeland, FL 33807

Terms and Conditions

Upon registration, the debtor student must provide their bankruptcy case number including the Federal Judicial District in which the case was filed. The course is provided to debtor students without regard to the student's ability to pay the fee of $6.95 (for singles) or $6.95 (for couples). The United States Trustee has reviewed only the provider's counseling and instructional services and has neither reviewed nor approved any other services the provider may offer. Nothing herein shall apply to actions or claims under the provisions of the United States Bankruptcy Code, 11 U.S.C. Sec 101.

Attorney accounts are established for your convenience and if your attorney has a payment arrangement with us we may invoice that attorney for your course fee. does not participate in discount agreements or contracts with attorneys. If your attorney has an account with, your attorney will be invoiced the same amount you would pay as a client without an attorney. All publicly disclosed fees are applicable to all students.

Instructor Qualifications:

The instructor that will be delivering your bankruptcy debtor education is an experienced and trained professional. The education and training background of all training instructors either meets or exceeds standards of the Executive Office for the United States Trustees, U.S. Department of Justice. Instructors are certified by or Credit Counseling Certification Inc.'s Requirements for Completion:

You must complete's Internet debtor education course by successfully completing the online material (course) and spending a minimum of 120 minutes (2 hours) within the online course.

There are tests incorporated into the course and you will be contacted by an instructor if you receive less than a 70 percent score. You will be contacted if you do not answer correctly more than 30 percent of the answers.

Certificates will be issued upon completion of all requirements of the online course.

Certificate Issuance:

A debtor will only receive a certificate if the debtor completes the bankruptcy debtor education course. is obligated to promptly provide a certificate to the debtor student upon completion of the instruction. If requested, may also provide debtor's attorney with copies of the certificate, as well as any other required information gathered during the instruction.

Certificate Delivery:

It is the responsibility of the student to ensure proper filing with the court., Inc. is not responsible for filing with the court, or ensuring the certificate is filed in the proper time frame., may not be held responsible for fees or other actions of the court if the certificate is not filed with the court within the courts required timeframe. Additionally, 1StopBK, is not responsible to ensure certificate is delivered to the student's attorney. The student IS solely responsible for ensuring that the student and/or their attorney receive the certificate of completion in a timely manner.

Certificates will be delivered on average within one hour during normal business hours Monday-Thursday 10 AM -6 PM Eastern Time, Fridays 10 AM – 4 PM. Certificates for courses completed after hours will be sent on average within the first two hours of the next business day, sometimes sooner. We will do our best to adhere to the above policy, barring unforeseen circumstances. Please let us know immediately at if you have an emergency or need assistance in receiving your certificate.

Fee Policy--Cost of Certificate of Debtor Education

The cost of's debtor education course is $6.95 per individual and $6.95 per couple.

Any discount given for is for the client's benefit only. does not receive or pay referral fees for the referral of clients, except under a fair share agreement.

Referral Fees Prohibited:

The Provider does not pay or receive fees or other considerations for referrals.

Course Administration:

Course materials are provided through the Internet via an interactive learning module. The course can be accessed 7 days a week and 365 days a year. However, site support is limited to certain hours of operation. Upon successful completion of the briefing or course, the approved Providers will issue a certificate of completion to the debtor.

A Special Note About Children: Children are not eligible to use our service and we ask that minors (under the age of 16) do not submit any personal information to us or use the service. does not collect or maintain information from those actually known to be under the age of 16, and no part of the Web site is structured to attract anyone under the age of 16.

Bilingual Customers: does not provide bilingual instruction with regards to the online course, nor do we offer customer service or professional interpreter assistance to any limited English proficient debtor. Privacy Policy, Inc is a Non-Profit Corporation and is required to disclose the following information to all debtor students prior to paying for this course:

Important Categories of Information for you to know:

  1. Information we may collect at the Web Site
  2. How your information is used
  3. Altering the information you submit through the Web site

Information We Collect. There are several areas on the Web site where you may be asked to enter both personal and non-personal information. We DO NOT sell or share any personal information about you to or with any person or organization except (i) as authorized by you, (ii) to participating Agencies, (iii) as set forth herein, or (iv) as may be required by law or court order.

(a) Information we receive from you via Submissions. To use's services, when you come to the Web site you'll need to provide personal information such as your name, phone number, Partial Social Security Number, e-mail address, possibly income, information regarding assets and liabilities and other financial information.

(b) Technical information we collect. In order for to ensure that we are providing the best possible consumer experience on the Web site, we collect and track certain user information. When you visit the Web site, our Web server may send a cookie to your computer. This cookie stores a limited amount of information about your site visit. The cookie tracks aggregate information on how our site is being used, including session counts, navigation patterns, pages visited, etc. These cookies, however, do not store any personally identifiable information such as your name, email address or phone number as you browse the site.

When you complete a Submission, we store your cookie identification in our system. This cookie allows our site to recognize you when you return. also utilizes Web Logs to track aggregate information about how our site is being used. Web Logs track anonymous user information, including the number of visitors to the Web site, operating systems, Internet Provider addresses (if publicly available), and browser type. Unlike cookies, Web Logs are maintained only on servers and do not store or place anything on the user's computer.

If you come to the Web site from an online banner ad, an anonymous identification number may be passed to the Web site. This information cannot be used to gather any personally identifiable information about you. It will only allow us to track the overall effectiveness of our online advertising, marketing and banner advertisement campaigns.

(c) Information from surveys. You may have the option of completing an online survey at the Web site from time to time. Participation in surveys is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us in connection with any such survey.

(d) Information from the section of the Web site is provided that you may contact Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us.

(e) Information collected on other sections of the Web site. may, from time to time, make various resources available to you at the Web site to help educate you about the bankruptcy and/or credit counseling industry. At times we may collect personal information in connection with providing such services.

How your information is used. We use the information you provide in your Submission or other submission of information to provide the Trustee Board of Debtor Education with the appropriate information to confirm you have completed the required debtor education course.

In addition, may disclose account or other personal information when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with's rights or property, other Web site users or anyone else that could be harmed by such activities. might disclose client information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the investigation of complaints, during on-site visits, or during quality-of-service reviews [Section 6; 28 C.F.R. § 58.33(k)(7)].

Altering Information You submit Through The Web Site. You may be able to review and change personal information in an active account. Contact us at for any such requests.

Deleting your information. Federal and state regulations may require that we store completed Submissions for various periods of time. In order to comply with these regulations, we may be unable to delete information from our databases.

Security uses extensive and sophisticated secure technology to protect your data and transmissions between you, and Agencies participating in the Web site. Transmission between browsers and our web server is implemented using Secure Sockets Layer (SSL) technology. This technology requires an SSL-capable browser. Although has taken these measures to ensure that your personal information is delivered and disclosed only in accordance with your instructions, cannot and does not guarantee that the personal information you provide will not be intercepted by others and decrypted.

Changes to Privacy Policy: If we make a change to our Privacy Policy in the future that will affect how we treat your information, we will notify you by e-mail of the change to the extent such change is material. Otherwise, we will post such change at the Web site, and such change will be deemed to be effective 10 days from the date of such posting. In that instance, your ability to opt out of the new policy will be determined by applicable laws.


This Privacy Policy was last updated on February 12, 2020. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR OWN PERSONAL RECORDS.


* Requires credit card/upfront payment. Business hours are Mon-Th 10AM-6PM EST, Fri 10AM-4PM EST. Course is designed to take two hours as required by the US Trustee.