Is your course approved by the US Trustee?
123Debtor.com, LLC is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.
You can find us listed for your bankruptcy district on the US Trustee website at http://www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm..
How long will it take to receive my certificate after I complete the course?
If you have paid with a credit card, your certificate will be emailed within 1 hour (on average) of course completion.
If you are paying with a check or money order, your certificate will be emailed to you after your payment has been received. This generally takes 7-10 business days.
If your attorney is paying on your behalf, your certificate will be emailed within 1 hour (on average) of course completion.
If you qualify as a no-cost student, please refer to the terms listed on our website. Your certificate will be emailed to you once proof of qualification has been received and approved.
My spouse and I filing jointly. Do we both need to take the course?
Yes, you will each need to complete the course. However, there are two different ways for a couple to sign up for our course. 1. As a couple receiving joint instruction and simply taking the same course together side by side, or 2. As a couple receiving separate instruction and each taking the course on your own. In the case of option two, if you are both going to use the same computer, make sure that client 1 logs out of his/her course, and that you close your internet browser, then return to www.123debtor.com.
I need my certificate sent to my attorney. How can I make sure they get a copy?
When you register, either enter your Priority Code (if your attorney gave you one), or your attorney’s email address. We will automatically email them a copy of your certificate at the time it is issued. We do not provide certificates directly to the Court. It is the student’s responsibility to submit their certificate to the Court.
If I leave the course once I've started, do I lose my progress?
Your information and test progress is saved in our database for 90 days after you've registered for the course. Even if you've yet to pay for the course, the information is saved for 14 days. You're allowed to take the test within these timeframes at your own pace.
Can I get an additional copy of my certificate at a later time?
We can send you additional copies of your certificate for up to 90 days after you've registered for the course. To request an additional copy of your certificate please email us at email@example.com
Will you send a copy of my certificate to the court?
No, 123debtor.com does not provide information directly to the court. It is the responsibility of the student or their attorney to present the information to the appropriate court.
What information do I need to provide to start the course?
- Name, address, and phone number
- Email address (where we can send your certificate)
- Case number (see below if you do not have a case number)
- Judicial district where your bankruptcy was filed
- Priority Code (if you have been given one by your attorney) OR
- Attorney’s name and email address (must be provided if you would like us to provide a copy of your certificate to your attorney directly).
Most of this information is required in order for your certificate to be issued. You will not be able to complete your registration unless all information is provided.
I have not filed for bankruptcy, but your course requires a case number. What should I put in this field?
123debtor.com is approved to offer only the post-filing bankruptcy course. If you have not filed for bankruptcy, go to http://www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm to find an approved Credit Counseling course. Then return to www.123debtor.com after you have filed for bankruptcy to fulfill your Debtor Education requirement.
I am trying to register, but keep getting an error at the end of the registration page. How do I continue?
Close your internet browser, then return to www.123debtor.com. Click on Log In, then enter your user name and password. If you have selected the Credit Card payment option, you will be instructed to pay before continuing the course. If you have trouble logging in or continuing from this point, please contact firstname.lastname@example.org.
How do I pay for the course?
123debtor.com offers several payment options:
CREDIT CARD/DEBIT CARD: If you select Credit Card, you will be directed to a secure payment page where you will be able to pay with any card with a Visa, MasterCard, or Discover logo. This option ensures fast delivery of your certificate.
CHECK/MONEY ORDER: You can mail a check or money order to: 123debtor.com, PO Box 2642 Eugene, OR 97402. This option can take up to 7-10 business days to process. Your certificate will not be processed until we receive and process your payment.
ATTORNEY PAYMENT: Attorney accounts are established for your convenience and if your attorney has a payment arrangement with us we may invoice that attorney for your course fee. 123debtor.com does not participate in discount agreements or contracts with attorneys. If your attorney has an account with 123debtor.com, your attorney will be invoiced the same amount you would pay as a client without an attorney. All publicly disclosed fees are applicable to all students. We may need to contact your attorney for payment and in that case your certificate will be released once payment is agreed upon.
Please provide your attorney's email address when you register.
NO-COST STUDENT: You may qualify as a no-cost student. For further information, go to the Disclosures and Tuition Waiver Info. Tab from our home page. Your certificate will not be issued until your information has been submitted and approved.
I am paying with a check or money order. Where do I send the payment?
Payment should be mailed to: 123Debtor.com, PO Box 2642 Eugene, OR 97402. Your certificate will not be issued until your payment has been received and processed.
I selected the Money Order/Check payment option, but need my certificate sooner. Can I still pay with a credit or debit card?
Yes. Log In to your account at 123debtor.com, and click on the Register Now at the top of the home page. Select Credit/Debit Card payment option. Your certificate will be issued within 1 hour (on average) of course completion.
How do I know if I qualify as a no-cost student?
Click on the Disclosures and Tuition Waiver Info. Tab at the top left of our website for information and requirements to qualify as a no-cost student. Letter of need and financial information must be received and approved before your certificate can be issued.
How do I get back to the course once I've left?
You may log on to the course by using the Log In option on the Home Page. You will be asked for your sign on information. This was chosen by you at the time of registration and emailed to you as well. Should you have any issues signing on, please email us at email@example.com.
I was logged out of the course automatically and cannot log back in. How do I continue?
Close your internet browser, then return to www.123debtor.com. Click on Log In, then enter your user name and password. If you are using an AOL browser, you may need to close your browser and switch to Internet Explorer to continue the course due to AOL settings that we cannot change.
I am currently taking the course and cannot get past a certain lesson – it keeps taking me back to the Log In screen. How do I continue?
This problem is most common when using an AOL browser, due to AOL settings that we do not control. If you are using an AOL browser and have completed all the questions on the page, close your browser and switch to Internet Explorer, return to www.123debtor.com, and click on Log In. If you continue to have problems, contact firstname.lastname@example.org.
For questions, comments, or further technical assistance, contact us at 866-676-1364 or email email@example.com.