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The post-filing debtors education course is better done online, as its a legally mandated 2 hours minimum, so being able to stop and start over several days can be helpful.
Official Form 423, which was used to document the completion of a required course on personal financial management, was discontinued effective December 1, 2024.
Q: How long is the course? The bankruptcy laws require the course to be a minimum of two hours. Feel free to take as long as you need. However, you must spend a minimum of two hours in order to receive your certificate of completion.
The first course that an individual who is filing Chapter 7 must participate in is an approved credit counseling course. This must be completed prior to filing for bankruptcy. The second course that an individual who is filing Chapter 7 bankruptcy must take is a class on personal financial management.
The bankruptcy laws require the course to be a minimum of two hours. Feel free to take as long as you need. However, you must spend a minimum of two hours in order to receive your certificate of completion.
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DebtorCC.org is approved by the U.S. Trustees Office to provide the California bankruptcy credit counseling course on the Internet.
How long is the course? The pre-filing credit counseling course takes approximately 60-90 minutes to complete. The post-filing debtor education course takes a minimum of 2 hours to complete (by law).

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