Debtor Education/Financial Management Course and Bankruptcy

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At Sadek Bankruptcy Law Offices, we realize that every situation is different. Our debt relief lawyers will take the time to learn about your situation and your goals. Our objective is to explain your legal options and offer the best debt relief strategy for you in the most compassionate and friendly manner possible. Call 24/7 to schedule your meeting with a lawyer.


Our office understands the financial stress our clients endure. Therefore, in addition to reasonable legal fees, we offer a payment plan to all of our valued clients to make quality legal services most affordable.


In addition to our primary law office in Center City, Philadelphia, we also have law offices throughout the Greater Philadelphia, Pennsylvania Area and in New Jersey. Our branch offices have contributed to making us the #1 Bankruptcy Filer and debt relief firm in the Greater Philadelphia area. Our goal is to have a convenient location within 20 minutes of where our clients work or reside.

Debtor Education/Financial Management Course and Bankruptcy

On or about March 10, 2014 (see below) a blog was written and posted by Brad J. Sadek, Esquire regarding the Credit Counseling Course prerequisite to filing a consumer bankruptcy under Chapter 7 or Chapter 13. In addition to the Credit Counseling Course, a second and final course is required. The Second Course, Debtor Education, is a requirement that must be completed within 60 days of the first scheduled 341 Meeting in a Chapter 7 case or prior to discharge in a Chapter 13 case. 11 U.S.C. §1328(g)(1) provides that “The court shall not grant a discharge under this section to a debtor unless after filing a petition the debtor has completed an instructional course concerning personal financial management described in section 111.” Debtor Education may be completed online or over the telephone and is available to our clients 24 hours a day, 7 days a week.

The requirements of a Debtor Education Course are listed hereinbelow:

1.provide trained personnel with adequate experience in providing effective instruction
and services;
2.provide learning materials and teaching methodologies designed to assist debtors in
understanding personal financial management;
3.if applicable, provide adequate facilities for providing an instructional course;
4.prepare and retain reasonable records to permit evaluation of the effectiveness of an
instructional course; and
5.if a fee is charged, charge a reasonable fee, and provide services without regard to
ability to pay the fee. 11 U.S.C. § 111(d)(1).

Should you have any questions regarding the aforementioned blog entry or if you have any questions regarding Bankruptcy and/or Family Law, please do not hesitate to contact the lawyers at Sadek Bankruptcy Law Offices.

To speak with one of our lawyers regarding your financial situation, please contact one of our conveniently located law offices listed below.

CENTER CITY PHILADELPHIA: , 1500 JFK Boulevard, #220 Phila., PA 19102    215-545-0008
NORTHEAST PHILADELPHIA: 2375 Woodward Street, #105 Phila., PA 19115 215-545-0008
DELAWARE COUNTY OFFICE: 1515 Wallingford Road, #218, Springfield, PA 19064 610-432-3111
NEW JERSEY OFFICE: 302 Washington Avenue, Suite 101 West, Moorestown, NJ 08057 877-452-9411

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