Personal Fiscal Responsibility

Certificate Course is under review and not yet approved for any bankruptcy proceeding.

The course is available for those seeking continuing Education and not for filing in conjunctions with any bankruptcy proceeding. We will update this course when approved by the DOJ.

Pre-Filing Bankruptcy Credit Counseling 

The Pre-Filing Bankruptcy Credit Counseling Class is offered by adraceu.com and we are pending approval  to *approved to issue certificates evidencing completion of a credit counseling course in compliance with the Bankruptcy Code. 

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people who plan to file for bankruptcy protection (with limited exception) to take a credit counseling class from a provider *approved to issue certificates evidencing completion of a credit counseling course, within 180 days before they file. They also must complete a debtor education course to have their debts discharged. These classes can't be taken at the same time. We offer the class online, and it is an interactive class that takes approximately 1.5 hours to complete. You may log in and log back out and continue where you left off. Upon completion of the class you will be issued a Certificate of Completion. 

Post-Bankruptcy Discharge Education

Approved by:_______________ for all states except_______

Easy Sign up, complete at your convenience, automated Certificate process for only $15.00

Sign up here: MY DEBTOR EDUCATON COURSE

The Online Pre-Discharge Debtor Education Class is offered by adraceu.com and we are pending approval to *approve to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. 

The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people to take a Pre-Discharge Debtor Education Class prior to receiving their Bankruptcy Discharge. This class is offered online by adraceu.com and it lasts 2 hours.

You may log in and log back out and continue where you left off. Upon completion of the class you will be issued a Certificate of Completion. 

Enter Certificate Code

Contact Us

Toll free: (866) 384-4563
For faster service email us at:
Email: info@adraceu.com

OFFICES

Florida: The Plaza North Tower
121 South Orange Ave, Ste1500
Orlando, Florida 32801

Virginia: The Tower Crescent
800 Tower Crescent Drive, 13th Fl.,
Vienna, VA 22182

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