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 Bankruptcy^SM is ByDesign’s™ comprehensive personal finance program, tailored to meet the needs of people who seek to emerge from bankruptcy. ByDesign 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 Bankruptcy^SM 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 Bankruptcy^SM Webinar

Personal Finance Management After Bankruptcy^SM Workshop

Personal Finance Management After Bankruptcy^SM 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 Bankruptcy^SM program, you will earn a certificate 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.