Pre-Discharge Debtor Education
Reestablishing your personal finances after bankruptcy is crucial to meeting your long-term financial goals. Financial education is also required before discharge of a Chapter 7 or 13 bankruptcy. Personal Finance Management After BankruptcySM is ClearPoint's comprehensive personal finance program, tailored to meet the needs of people who seek to emerge from bankruptcy. ClearPoint (formerly ByDesign Financial Solutions) is approved to issue certificates [evidencing completion of a personal finance management course] in compliance with the Bankruptcy Code.*
These services are currently only available to California residents.
The Personal Finance Management After BankruptcySM program is available in three different formats. You make take the class as: 1) a webinar, 2) a workshop, or 3) over Internet with in-person testing.
Personal Finance Management
After BankruptcySM Webinar
Personal
Finance Management After BankruptcySM Workshop
Personal Finance Management
After BankruptcySM Internet Study
Whichever option you choose, the program covers a number of financial literacy topics, including:
- Creating a personal budget;
- Establishing financial goals;
- Reducing expenses and increasing income;
- Evaluating insurance needs;
- Properly handling a checking account;
- Using credit wisely;
- Addressing debt;
- Obtaining credit reports;
- Improving credit reports and credit scores; and
- How to avoid becoming a victim of identity theft.
Upon successful completion of the Personal Finance Management After BankruptcySM program, you will earn a certificate from ClearPoint (formerly ByDesign Financial Solutions) that meets the pre-discharge debtor education requirement of the new bankruptcy reform legislation, BAPCPA
*Approval does not endorse or assure the quality of a Provider's services.
