The Second Bankruptcy Course:

Debtor Education:
Personal Financial Management

as low as $9.95 / household

Let's Get You To The Right Place

Is this your first time taking a course with Summit? This would be the case if you took your pre-filing Credit Counseling with a different provider.

If yes, Welcome to Summit! Create an account to get started.

Did you complete your Credit Counseling (pre-filing first course) with Summit? Do you need to continue the Second course you already started?

If yes, simply just log in to your existing account.

Unrivaled Price, Service & Quality

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Affordability is the cornerstone of our service. The course costs as little as $9.95 per household. There are no additional charges.

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Available 24/7

The course is available at all times, 24/7. There is no need to speak with anyone. Stop and continue later - your progress is always saved.

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Your certificate is emailed to you and your attorney for FREE. No extra charge for sending it to your lawyer.

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Free Resources

All worksheets and course materials are yours FREE, forever. You retain access to the course at no additional cost.

Frequently Asked Questions

How long does the course take?

The course is timed to take 2 hours, as required, but you may spend more time if you choose to read the course materials instead of watching the videos.

Can I stop and continue later?

Absolutely. Your progress is automatically saved, so you can stop and pick up from where you left off. You do not need to finish the course in one sitting.

Can I take the course together with my spouse?

Yes, our system is totally flexible. You can take it together, or separately.

If you take either course together, it is required that both of you are present while you complete the course.

How quickly do I get my certificate?

Certificates are issued within 2 hours of course completion, or immediately via Express Certificate Service.

Do you email the certificate to my lawyer?

Yes, provided that you let us know during the registration process who your attorney is.

We have a very large number of attorneys in our system. You can either enter your attorney's information or select them from our list. This service is FREE.

Do you file my certificate with the court?

It depends.

If we have an agreement with your attorney to file the post-filing Debtor Education certificate with the court, then we will do so.

If you are filing pro se, we can file your Debtor Education certificate for a modest fee.

Does my information get shared with the court?

No. The bankruptcy court does not have any access to the information you provide.

In exceptional cases, we are required to disclose debtor information to the United States Trustee in connection with the United States Trustee's oversight of Summit Financial Education, or during the investigation of complaints, during on-site visits, or during quality of service reviews.

Will this affect my credit score?

No. There is no reporting of the completion of this course to any credit bureau.

Are you approved in my state?

Summit Financial Education is approved* by the Executive Office for U.S. Trustees to provide the debtor education course and to issue certificates evidencing the completion of the course in every state, with the exception of Alabama and North Carolina, which do not fall under the jurisdiction of the EOUST.

* Approval does not endorse or assure the quality of a Provider's services.