Our course developers and teachers are uniquely qualified to offer this class with the following combined qualifications, educational and training backgrounds:
Participant at Financial Management Teacher Training Program offered by the Coalition for Consumer Bankruptcy Debtor Education;
Certified members with the American Association of Family and Consumer Sciences;
Over 12 years of business management in the areas of Credit and Financial Services;
Founder of successful internet company established in 2003;
Masters Degree in Business Administration & Management
10DebtorEducation offers a Personal Financial Management Course, which covers the following topics:
Computing your Net Worth
Setting and reaching your Financial Goals
Preparing a Budget
Ways to cut Expenses
The Wise Use of Credit
- Consumer Protection
Law Requiring Course
11 U.S.C. §727(a)(11) provides:
The court shall grant the debtor a discharge, unless…after filing the petition, the debtor failed to complete an instructional course concerning personal financial management described in section 111, except that this paragraph shall not apply with respect to a debtor who is a person described in section 109(h)(4)*.
11 U.S.C. §1328(g)(1) provides:
The court shall not grant a discharge under this section to a debtor unless after filing a petition the debtor has completed an instructional course concerning personal financial management described in section 111. This provision again does not apply to a debtor who is a person described in section 109(h)(4).
11 U.S.C. §111 provides:
(a) The clerk shall maintain a publicly available list of –
(2) instructional courses concerning personal financial management currently approved by the United States trustee (or bankruptcy administrator, if any), as applicable.
Section 111(b) also specifies that the United States trustee must review a provider’s qualifications and section 111(d) specifies that the United States trustee shall only approve an instructional course concerning personal financial management if the course provides certain minimum requirements.
10DebtorEducation, LLC is approved to issue certificates in compliance evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Provider’s services.
* 11 U.S.C. §109(h)(4) references debtors whom the court determines, after notice and hearing, are unable to complete requirements because of incapacity, disability, or active military duty in a military combat zone.
Who We Are
10DebtorEducation was established in 2009 to provide individuals emerging from Chapter 7 or Chapter 13 bankruptcy with an opportunity to take their personal financial management course, mandated by the 2005 Bankruptcy Act, online to satisfy their debtor education requirement in the privacy and convenience of their home or other location of their choosing. We wanted to offer a “hassle-free” alternative, but still maintain a quality course with sound information that can be used by individuals as they begin rebuilding their future financial success. We are committed to offering a course that is specifically tailored to the individual emerging from bankruptcy, using the bankruptcy experience as a means to launch into lessons in money management. Our course developers and teachers were the key to developing a curriculum that covers important and sound information in the wise use of credit and consumer protection.
Contact Us by Email
*Course Available 24 Hours A Day, 7 Days A Week*
Monday - Friday 8:00 am to 6:00 pm (Mountain Standard Time)
Address (Money Orders)
21001 N. Tatum Blvd., Suite 1630-128
Phoenix, AZ 85050