Driving Logic

Bankruptcy Logic holds federal EOUST approval to offer debtor education courses in states and territories listed in its approval documentation. It is not currently approved in Alabama or North Carolina.

What States Is Bankruptcy Logic Approved In?

Your Bankruptcy Logic completion certificate is the proof of completion your attorney needs. Email it to them as soon as you receive it after finishing the course.

My Attorney Needs Proof of Completion — What Do I Provide?

If you don't achieve a satisfactory score on the final exam, the system provides feedback on your incorrect answers and you can retake the exam.

What Happens If I Don't Get a Satisfactory Score on the Final Exam?

No. Joint filers receive one certificate covering both spouses. It is issued promptly by email after both spouses have individually completed the course.

Do Joint Filers Each Get Their Own Certificate?

Both Chapter 7 and Chapter 13 filers must complete the debtor education course, but the filing deadline for the certificate differs depending on your chapter.

Does It Matter Whether I Filed Chapter 7 or Chapter 13?

If you close the Bankruptcy Logic debtor education course before finishing, your progress is saved at the last completed topic. Log back in and resume where you left off.

What Happens If I Close the Course Before I Finish?

Everything you need to know about the Personal Financial Management Instructional Course — who takes it, how it works, how to get your certificate, and how to file it with…

Complete Guide to the Bankruptcy Logic Debtor Education Course

There are two federally required bankruptcy courses — one taken before filing and one taken after. They are separate requirements with separate certificates.

What Is the Difference Between the First and Second Bankruptcy Course?

No. Bankruptcy Logic does not file your completion certificate with the court. You or your attorney are responsible for filing the certificate along with Official Form 423.

Does Bankruptcy Logic Submit My Certificate to the Court?

If you enrolled in the wrong course and have not started it, let us know right away. If the course has not been started and you are within 3 months…

What If I Enrolled in the Wrong Course?

Yes. If your household income is below 150% of the federal poverty guidelines, you may qualify for a full or partial fee waiver. Let us know before enrolling — do…

Can I Take the Course for Free If I Cannot Afford It?

No. You do not have to complete the Bankruptcy Logic debtor education course in one sitting. Progress saves at the end of each topic. You can log out and return…

Do I Have to Finish the Course in One Sitting?

Your Bankruptcy Logic debtor education certificate is issued promptly upon completing the course and delivered by email. No request is needed.

How Do I Get My Completion Certificate?

Enrolling in the Bankruptcy Logic debtor education course takes a few minutes online. You will need your bankruptcy case number and court district before you start.

How Do I Enroll in the Debtor Education Course?

You have 120 days from the date of purchase to complete the Bankruptcy Logic debtor education course. After 120 days, course access and all progress are removed.

How Long Do I Have Access to the Course?

The Bankruptcy Logic debtor education course has a federal minimum length of 2 hours. There are no per-section timers. You can take breaks and resume at any time within your…

How Long Does the Debtor Education Course Take?

Bankruptcy Logic issues your debtor education certificate promptly upon completing the course and delivers it by email.

How Long Does It Take to Receive My Certificate?

The Bankruptcy Logic debtor education course costs $19.95 per household. Joint filers pay one fee covering both spouses. No upsells, no hidden fees.

How Much Does the Debtor Education Course Cost?

After completing the course, you must file your certificate with the bankruptcy court along with Official Form 423. Bankruptcy Logic does not file it for you.

How Do I File My Certificate With the Bankruptcy Court?

Yes. The Bankruptcy Logic debtor education course ends with a required final exam presenting 10 questions from a bank of 50. The exam is automatically graded and can be retaken…

Is There a Final Exam?

Yes. The Bankruptcy Logic debtor education course is fully available in Spanish. An audio version is available in English only as a vision-impaired accommodation.

Is the Debtor Education Course Available in Spanish?

Yes. Both spouses in a joint bankruptcy filing must complete the debtor education course. You may take it separately or together. One $19.95 fee covers both, and one certificate is…

My Spouse and I Are Filing Together — Do We Both Need to Take the Course?

Yes. Bankruptcy Logic can resend your completion certificate at any time within our compliance record-keeping period. Let us know and we will resend within 1 business day.

I Lost My Certificate — Can I Get a Replacement?

If you miss the deadline to file your debtor education certificate, the court may close your case without granting a discharge. Contact your attorney immediately if you are at risk…

What Happens If I Miss the Deadline to File My Certificate?

Yes. The Bankruptcy Logic debtor education course is 100% online. No classroom attendance is required. Course content is available in English and Spanish. An audio version is available in English…

Is the Debtor Education Course Available Online?

The Personal Financial Management Instructional Course goes by many names. All refer to the same federally required course taken after filing for bankruptcy.

What Are Other Names for the Debtor Education Course?

For a refund to be available, the course must not have been started and a certificate must not have been generated. Both conditions must be met along with the 3-month…

What Counts as "Starting" the Course for Refund Purposes?

The deadline for filing your debtor education certificate depends on whether you filed Chapter 7 or Chapter 13. Missing the deadline can result in your case being closed without a…

What Are the Deadlines for Filing My Certificate?

To enroll in the Bankruptcy Logic debtor education course, you will need your bankruptcy case number, court district, filer names, last 4 of SSN, and bankruptcy chapter.

What Information Do I Need to Enroll?

The Personal Financial Management Instructional Course covers five modules — budgeting, money management, credit, consumer resources, and coping with financial crisis — followed by a 10-question final exam.

What Does the Debtor Education Course Cover?

If your 120-day access window expires before you complete the course, your access and progress are removed. You must purchase the course again to complete it.

What Happens If I Don't Finish Before My Access Expires?

The Executive Office for U.S. Trustees (EOUST) is the federal agency within the Department of Justice that approves debtor education course providers under the Bankruptcy Code.

What Is the EOUST and Why Does It Approve This Course?

Official Form 423 is the Certification About a Financial Management Course. It must be filed with the bankruptcy court along with your Bankruptcy Logic completion certificate before your discharge can…

What Is Official Form 423 and Do I Need It?

The Bankruptcy Logic completion certificate includes your name, case number, court district, completion date, provider information, and the required EOUST disclosure.

What Is on the Bankruptcy Logic Completion Certificate?

The Personal Financial Management Instructional Course is a federally required online course completed after filing for bankruptcy and before receiving a discharge.

What Is the Personal Financial Management Instructional Course?

Take the debtor education course as soon as possible after your bankruptcy case is filed. You will need your bankruptcy case number to enroll.

When Should I Take the Debtor Education Course?

Anyone seeking a discharge in a Chapter 7 or Chapter 13 bankruptcy case must complete the Personal Financial Management Instructional Course before the court will grant their discharge.

Who Is Required to Take the Debtor Education Course?

If you entered incorrect information during enrollment, let us know immediately. If your certificate has not been issued, we can correct the error before it is generated.

What If I Entered the Wrong Case Number or Judicial District?

Personal Financial Management Instructional Course (Debtor Education)

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