My Spouse and I Are Filing Together — Do We Both Need to Take the Course?
Yes. If you and your spouse filed a joint bankruptcy petition, both of you are required to complete the Personal Financial Management Instructional Course. You may take it separately or together — whichever works best for you.
How Joint Enrollment Works
You pay one fee of $19.95, which covers both spouses
During enrollment, select "joint filer" and enter information for both spouses: full legal name and last 4 of SSN for each
Each spouse completes the course independently — you may both do this at the same time or at separate times
One completion certificate is issued covering both spouses, delivered by email promptly after both spouses have completed the course
Quick Facts
Detail | Information |
Both spouses required | Yes |
Fee | $19.95 for both — one payment |
Completion | Separately or together — your choice |
Certificate | One certificate covering both spouses |
Certificate delivery | Email, promptly after both complete |
Frequently Asked Questions
Do we have to complete the course at the same time? No. You may complete the course together in a single session or each complete it at a separate time. The certificate is issued once both of you have finished.
We filed separate petitions, not a joint one. Do we enroll separately? Yes. If you filed separate petitions, each spouse must enroll and pay separately. Each will receive their own individual certificate.
Can my spouse and I use separate devices? Yes. Each spouse can log in and complete the course independently on their own device at a time that suits them.
One of us has already completed the course. When does the certificate get issued? The certificate is issued once both spouses have individually completed the course.