Q: How does this course compare to credit counseling, which I did before bankruptcy?
Q: What does this course cost?
Q: When should I take this course?
Q: I don't have a computer, can I do the course over the phone?
Q: How do I find my case number?
Q: When will I get my certificate?
Q: I'm married, does my spouse have to take the course, too?
Q: Where is Sage Personal Finance approved?
Q: Do I have to take a test?
Q: How long does this course take?
Q: Do I have to take the course in one sitting?
Q: Can I have the certificate sent to my lawyer?
Q: What should I do after I receive my certificate?
Q: What does this course cost?
Q: When should I take this course?
Q: I don't have a computer, can I do the course over the phone?
Q: How do I find my case number?
Q: When will I get my certificate?
Q: I'm married, does my spouse have to take the course, too?
Q: Where is Sage Personal Finance approved?
Q: Do I have to take a test?
Q: How long does this course take?
Q: Do I have to take the course in one sitting?
Q: Can I have the certificate sent to my lawyer?
Q: What should I do after I receive my certificate?
Q: How does this course compare to credit counseling, which I did before bankruptcy?
A: This course points out aspects of managing money to help you avoid bankruptcy in the future.
Q: What does this course cost?
A: The internet course costs $35. There is no additional fee for married couples filing jointly.
Q: When should I take this course?
A: You should take the course after you file for bankruptcy, usually early in your bankruptcy case. Depending on your specific situation and your lawyer's advice, you may want to complete the course before your meeting of creditors.
Q: I don't have a computer, can I do the course over the phone?
A: Yes. We offer the course over the phone, 24 hours a day, no appointments necessary. The cost is $45. Please call (866) 693-1415 to start and finish over the phone today. Have your case number with you when you call.
Q: How do I find my case number?
A: Your case number (e.g., 08-12345) is on your bankruptcy case paperwork. Different courts present it in different format; we need the two digits for the year, and the five digits that follow. For example, if your case number looks like 1:08-bk-12345-abc, use "08-13245". If you cannot find your case number, please call us at (800) 516-2759 and we can look it up for you.
Q: When will I get my certificate?
A: Clients are able to access their certificate immediately upon finishing. There is a link to download and print out your certificate. We also fax and email certificates to you and your lawyer.
Q: I'm married, does my spouse have to take the course, too?
A: If your spouse is part of your bankruptcy case, your spouse may need to complete the course. Please consult a lawyer if you are unsure. We allow couples to take the course together or separately at no extra charge.
Q: Where is Sage Personal Finance approved?
A: We are approved to provide debtor education in all U.S. states and territories.
Q: Do I have to take a test?
A: No. To ensure that you are present, you may be asked to answer some questions, but your certificate will not be withheld, even if you answer questions incorrectly.
Q: How long does this course take?
A: Approximately two hours. It is a self-study course, so you can proceed at your own pace, but it is designed as a two-hour course, as required by law.
Q: Do I have to take the course in one sitting?
A: No. Your progress is saved, so you can complete the course in as many sessions as you like.
Q: Can I have the certificate sent to my lawyer?
A: Absolutely. For the vast majority of our clients, we send certificates to their lawyers.
Q: What should I do after I receive my certificate?
A: You (or your lawyer) should file a form and maybe the certificate of completion with the bankruptcy court. Please consult your lawyer for details.