Pre-Filing Education Center™
Understand every required step, track your progress, and stay organized from preparation through discharge.
Approved Provider Finder™
Find USTP-approved credit counseling and debtor education providers for your state.
Required Courses
Pre-Filing Credit Counseling
Must be completed BEFORE filing your bankruptcy petition
Duration
~1 hour
Cost
$15–$50 (fee waiver available for qualifying consumers)
Certificate Required
Yes — filed with your petition (Official Form B 23)
Format
Online, phone, or in-person
Post-Filing Debtor Education
Must be completed AFTER filing and BEFORE discharge
Duration
~2 hours
Cost
$20–$50 (fee waiver available)
Certificate Required
Yes — filed before discharge (Official Form DE 1300 or equivalent)
Format
Online, phone, or in-person
Education FAQ Center™
JustiPal™ is not a law firm and does not provide legal advice, bankruptcy counseling, or credit counseling services. Users are responsible for selecting an approved provider and complying with all court requirements. Educational and informational purposes only.