The online, self-directed portion of the Credit Counseling course takes about 45 minutes. Once you are done with this part, you have a choice between communicating with your counselor via email, chat or phone, with phone being the quickest way to finish up your counseling.

The Debtor Education 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.

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 and participate.

Credit Counseling Certificates are issued immediately upon course completion. Debtor Education Certificates (2nd Course) are issued within 2 hours of course completion, or via Express Certificate Service.

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.

It depends.

We cannot file Credit Counseling certificates with the court because the certificate must be filed with your petition to start your case.

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.

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.

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