The 2-hour pre-discharge education program covers a variety of financial and budgeting topics, assuring you have the tools necessary to build a strong financial foundation. During the education program, you will receive tips and tools for wise money management and credit use. You will also discover how to set achievable financial goals, calculate your net worth, create a livable budget, and build a savings plan. In addition, the program facilitator will share with you how to obtain credit reports, establish or re-establish credit, dispute errors, and protect yourself from identity theft.

For your convenience, a pre-discharge education program is available online 24 hours a day, 7 days a week at

Upon completion of the program, you will be promptly issued a certificate of participation that allows you to proceed with the bankruptcy discharge process. Timely certificate delivery is offered by email, fax, or mail.



Fee $50

Bankruptcy Debtor Education clients for their family size, who have an annual gross income below 150% of current Federal Poverty Guidelines, are presumed to be entitled to a fee waiver.

HCCI should initiate the required education session in the same manner whether a fee is paid or not.  If HCCI can demonstrate that the individual has the ability to pay (based on income information the individual submits), HCCI may charge a reduced fee of $25, this is called a “rebuttable presumption”.

An individual who files a voluntary Chapter 7 petition may request with their attorney to the court to have all filing fees waived by filing a completed and signed Application for Waiver of the Chapter 7 Filing Fee using official Form B3B.  The granting of this application approves the waiver of all future fees which may arise in the case.  The judge may waive the fee only if the client’s income is less than 150% of US Department of Health and Human Services applicable to their family size and they are unable to pay the fee in installments.


Counseling Packet

Pre-Discharge Debtor Education Disclosure & Privacy Policy 

Credit Report Release and Information Form