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Debtor Education

Filing bankruptcy can help a person by discarding debt or making a plan to repay debts. A bankruptcy case normally begins when the debtor files a petition with the bankruptcy court. A petition may be filed by an individual, by spouses together, or by a corporation or other entity.   All bankruptcy cases are handled in federal courts under rules outlined in the U.S. Bankruptcy Code.

All individual bankruptcy filers are required to complete pre-bankruptcy credit counseling and pre-discharge debtor education. These may not be provided at the same time. Credit counseling must take place before you file for bankruptcy; debtor education must take place after you file. Certificate of completion for both credit counseling and debtor education are required before the filer’s debts can be discharged. Only credit counseling organizations and debtor education course providers that have been approved by the U.S. Trustee Program may issue these certificates.


Schedule your Debtor Education Course

Virginia Polytechnic Institute & State University through Virginia Cooperative Extension is approved to provide pre-discharge debtor education to individual bankruptcy filers.  To schedule your debtor education course in Henrico County, please contact Kimberly Edmonds at (804) 501-5160 or


For more information:

Deciding if Bankruptcy Is an Option for You

Bankruptcy Basics: A Publication of the Administrative Office of the U.S. Courts

List of Approved Providers of Personal Financial Management Instructional Courses (Debtor Education) Pursuant to 11 U.S.C. § 111

U.S. Trustee Program