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Consumer Education Services Inc. Acquires Affordable Bankruptcy Courses

Raleigh, NC. March 20, 2015Consumer Education Services Inc. (CESI), a non-profit credit counseling organization since 1998, announced today that it has acquired Affordable Bankruptcy Courses. CESI’s acquisition of Affordable Bankruptcy Courses advances its mission of offering comprehensive personal financial education and solutions for all life stages and milestones.

The Affordable Bankruptcy Courses platform has been used to provide online Pre-Bankruptcy Credit Counseling and the Debtor Education Course since 2012. Through what can be a complex and confusing time, Affordable Bankruptcy Courses serves to provide an easy to use platform to complete the required bankruptcy courses while educating consumers.  The online Pre-Bankruptcy Credit Counseling is offered at $15 per household and online Debtor Education is $19 per household.

“Offering the highest quality bankruptcy counseling program in the industry allows us to further serve the needs of our valuable customers, especially those who are at a critical crossroad in their financial future,” said Dr. Diane Chen, CESI’s CEO.

CESI has worked closely with the Executive Office of U.S. Trustees (EOUST) to meet the new requirements by updating Affordable Bankruptcy Courses’ software platform and integrating comprehensive training for their counselors. Bankruptcy attorneys and their clients can expect to receive fast, easy, and affordable bankruptcy courses powered by one of the nation’s leading credit counseling agencies.

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9 Things You Need to Know About the Debtor Education Course

debtor education course questionsDuring bankruptcy, you may be experiencing a range of emotions—everything from fear to confusion. Not to fret. We’ve compiled a list of the 9 most commonly asked questions (and what you need to know) when it comes to getting your debts discharged through bankruptcy.

One of the final steps during the bankruptcy process is completing the Debtor Education Course. What’s that? Keep reading…

In compliance with the Bankruptcy Code, all bankruptcy petitioners are required to complete a Debtor Education Course, after filing for bankruptcy but before discharge. The bankruptcy petitioner is also required to have already completed Credit Counseling, which must be done prior to filing for bankruptcy.

1. Who needs to take a Debtor Education Course?

If you are filing for Chapter 7 or Chapter 13 bankruptcy, completion of the Debtor Education Course is required by law.

2. I already completed the Credit Counseling. Why do I need to take the Debtor Education Course, too?

The Credit Counseling assesses your current financial situation to help determine if bankruptcy is the best option. On the other hand, the Debtor Education Course helps prepare you for the future with financial planning and budgeting tips to help you better manage your finances.

3. Is the Debtor Education Course the same as Financial Management?

Yes. Although it is most commonly referred to as Debtor Education, you may also hear Financial Management Course, Pre-Discharge Bankruptcy Course, Post-Filing Course, or some other variation. They are all the same and must be completed after filing for bankruptcy but before debts can be discharged.

4. Is there a time requirement?

Yes, a minimum of 2 hours must be spent within the course as required by law.

5. Who offers the Debtor Education Course?

This course can be completed online or by phone with an EOUST-approved provider.

6. When do I need to complete this course?

For a Chapter 7 bankruptcy, you must complete the course within 60 days of your meeting of creditors (also known as a 341 meeting). For a Chapter 13 bankruptcy, you must complete it before making your final payment or before filing a motion requesting a discharge based on hardship.

7. Can I take the Debtor Education Course when I take the Credit Counseling?

No. These cannot be completed at the same time. As required by law, you must complete the Credit Counseling before filing and the Debtor Education after filing—refer to the next question for exactly when.

8. Can my spouse and I take the course together?

Yes. You can both take the course together and separate certificates of completion will be issued for both of you. Some providers offer the courses at no additional charge for joint filers.

9. How do I get the certificates of completion?

The provider will email your bankruptcy certificate(s) to you and/or your attorney.

Feel a little better now? The good news is that if you’re reading this, chances are bankruptcy is almost behind you. Don’t delay your fresh start and register for the Debtor Education Course now for only $19. Put your bankruptcy in the past and get ready for a clean slate when it comes to your financial future!

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As Easy As ABC…Affordable Bankruptcy Courses!

It has been a long week, and what better way to wind down than with a light-hearted anagram?

Approved provider of Credit Counseling
Financial freedom 
Fresh start for your finances
Offering you… 
Relief from debt
Debtor Education Course – found here
An opportunity for you to have your debts discharged
Bankruptcy courses – both pre and post filing
Learn new skills – budgeting, financial rebuilding

Think bankruptcy courses, think Affordable. Thank you to all our dedicated readers who have been reading our posts thus far.

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The Bankruptcy Video Game: Would You Buy It?

bankruptcy-gameAre you, or have you ever been, an avid video gamer? Could you easily watch the hours fly by as you engage with quirky characters from virtual realms, defending fictitious countries against demons and dragons? I always remember such a sense of satisfaction whenever your weapon of choice would completely destroy the enemy. Bankruptcy demons, watch out.

One of the main purposes of a video game – despite being a fantastic way to procrastinate during exam season – is the offering of an escape from reality. It allows us to forget our stresses and strains for a short time – or a long one, depending on how soon those impending exams are. As your typical ‘angry-at-the-world’ teenager, I also took great comfort in the fact that putting my metaphorical gaming hat on and disappearing into an interactive dimension made it a lot easier to block out the people around me.

Regardless of who you are, people’s unwarranted contributions and opinions can still grate. No matter what you are struggling with, people will claim to understand your situation even better than you do yourself. In going through bankruptcy, there will be an abundance of people offering their points of view on the subject, and more often than not it will be from those who have never truly contemplated the true stresses and strains associated with such a financial struggle.

For example.

“It could be worse.”

Don’t you just hate that expression? It is almost as bad as, “We’ve all been there” – but not quite. There you are, allowing yourself a short amount of time to wallow in some self pity, and someone comes along and takes your right to complain straight out of your hands. “It could be worse,” they say, “Imagine if X, Y, Z…” They then proceed to rattle off a list of – admittedly awful – circumstances that could worsen your predicament quite significantly. But sometimes during periods of struggle and distress, all we need is an empathetic ear.

We want to complain that we are struggling. We want to dwell on the fact that the process of having our debts discharged is a tedious and laborious one. It is stressful. Not the end of the world, admittedly, but stressful nonetheless.

In short, we want a pick-me-up. It is nice to be reminded that in filing for bankruptcy, you are not defining who you are as a human being. It does not constitute your character or genetic makeup. It is not a determinant of your future successes. Consider it one of life’s inconveniences that you are currently suffering through, and so long as you are being proactive in rectifying the financial wrongs, you are allowed to let yourself experience whatever emotions come to hand.

At Affordable Bankruptcy Courses, we are experienced in the bankruptcy arena and the wide emotional spectrum that comes with it. Fear, anger, sadness…we’ve seen it all. We offer people their much-needed escape from reality during this time, in helping them towards the discharging of their debts. There are no demons and dragons in our world, just the Credit Counseling and Debtor Education needed to get you on the road to financial success.

If you are considering filing for bankruptcy, you are welcome to play our video gameentirely metaphorical, but unbeatable in terms of the rewards you reap from playing. That way you can proactively tackle your financial struggles while always looking forward. And if you feel like taking a moment to yourself, that is entirely warranted. Allow it.

In short: even though it is never a good thing to dwell in negativity, sometimes we just need to let it out of our system. And that is ok, so long as it is sporadic. After a short amount of wallowing, it is time to pick yourself up and remind yourself of the positives.

Like ice cream. No matter how bad things get, Ben & Jerry will always be there for you.

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The Perfect Menu For All You Bankruptcy Filers

bankruptcy-menuPerfect? Probably a word you never thought you would see in the same sentence as the word bankruptcy. But, it just happened. You have stumbled upon the latest post by Affordable Bankruptcy Courses, detailing the perfect menu for those considering filing for bankruptcy. (It would be safe to say that I have a mild food obsession).

If you found out that today was to be your last day on earth, how would you spend it? Reminiscing, worrying, reuniting with friends and family, mulling over the accomplishments and failures of your life and wishing you had started ticking off the items on your bucket list a little sooner? Or perhaps – if you are like me – you will be thinking about the most important thing…your last meal. I wish I could say I was joking, but my aforementioned love for food deems it pretty high up on the agenda.

Filing for bankruptcy is an incredibly stressful time for each and every one of you, and every day you wake up; you may struggle to see the light at the end of the tunnel. In short, it may feel like, gradually, you are just getting increasingly more stressed and nearing the end of your patience. So, we put together a metaphorical bankruptcy menu to help you get your teeth stuck into the bankruptcy process. So put on your napkin, settle down at the table and get ready for the feast:


Credit Counseling– Make sure this is EOUST-approved. Prior to filing for bankruptcy protection (both Chapter 7 and 13), completion of this briefing is required within 180 days.


It’s time to file for bankruptcy. Make sure you find a licensed, approved attorney to help you throughout this process, and are clued up on the bankruptcy basics.

While waiting for the next course, why not wet your palette with some light reading? Guaranteed to keep your interest until dessert arrives. Because how could any menu be complete without it?


Debtor Education – again, EOUST-approved. This is required prior to your bankruptcy case being discharged. It can be taken by an individual or married couple who have already completed their Pre-Bankruptcy Credit Counseling and have filed for bankruptcy

Dish Of The Day:

By writing a response to this post – any other post on the Affordable Bankruptcy Courses blog – you get an Affordable Bankruptcy Courses eBook, full of valuable, informative content to get you through your bankruptcy! What’s more, this is included within the menu, so you don’t have to pay a penny to get it! Comment now!

Dig in! Enjoy the tasty treats Affordable Bankruptcy Courses has to offer. Because with us, it is as easy – and delicious – as ABC.

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Authors To Inspire You Through Bankruptcy: Oscar Wilde

dublinOscar Wilde. Arguably the most popular playwright of his time, it is the general consensus that even today, his teachings hold relevance in society. You would be hard pressed to find a modern day English Literature syllabus without the teachings of Oscar Wilde, as so much can be learned from his written word. And it is not hard to see why – in writing this post, we actually had trouble narrowing down the few quotes to use, because so many were useful and applicable to the message we are trying to convey to our readers.

Oscar Wilde was a literary genius. He famously said, “Nothing that is worth knowing can be taught.” In saying this, he means that we learn the most valuable, important lessons through experience alone. Being taught such things from others is no substitute for having gone through it yourself. Now by no means are we suggesting people should deliberately put themselves in undesirable financial situations, but according to Oscar Wilde, knowledge is no substitute for experience. Put into context; struggling financially is the best way to learn first-hand about financial management, as opposed to hearing through the grapevine that you should cut down on your spending, or that learning to budget would be beneficial for your bank balance. So despite the seriousness of your financial situation right now, there are positives you can take from it.

Right now, are your thoughts consumed by bankruptcy? Are you thinking that you have nothing left that could possibly be of any value? Think again. “A cynic is a man who knows the price of everything, and the value of nothing.” Put simply, focusing entirely on money means you may be overlooking things that are valuable in other ways. Something doesn’t have to have a monetary value to be valuable to you. How about the value of friendships, laughter and the enjoyment you get from your favorite past times? These can all lift you up during your financial struggles and help you to remember that bankruptcy is not the end. It is just a flip on your financial radar.

Wilde was very good at noticing the similarities and differences between people, and tying these into his core life philosophies. “We are all in the gutter, but some of us are looking at the stars,” and “To live is the rarest thing in the world. Most people exist, that is all,” are just two examples of this. He is highlighting that despite being all the same – all being ‘in the gutter – our perspectives and visions determine our direction in life. To the few of us that aim high – ‘some of us are looking at the stars’ – then that is the way we can elevate ourselves to success and greatness, and out of the gutter. The second quote has the same message; it is the rare few who see things differently and get that little bit extra out of life – in doing so, they are living as opposed to just existing.

Are you living, or just existing? Are you letting your bankruptcy take over? If the answer to this is yes, then it is time to plan a strategy. Look for a reputable provider for the required Credit Counseling and Debtor Education to file for bankruptcy. Affordable Bankruptcy Courses offers the EOUST-approved online courses available in both English and Spanish, with no phone call required for certification.

The bankruptcy process is tough, but it is a learning curve. Try to ask yourself what you can take away from the situation you are in now. What have you learned? Perhaps you could reconsider your spending and saving patterns, and how you could reduce your overspending.  After all, “Everything in moderation, including moderation.”

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Day 4: Affordable Bankruptcy Courses, What Is Your Elevator Speech?

elevator-speechAn interesting question! According to the Careers Services Center of West Virginia University, an elevator speech is defined as “a short summary used to quickly and simply define a person, product, service, or organization and its promise of value to be delivered.

So, here goes.

Hi! We are Affordable Bankruptcy Courses, the best, most affordable online option available to bankruptcy filers needing to take the required Credit Counseling and Debtor Education in order to complete their filing. Our extra low, affordable prices – while never compromising on service – are what we pride ourselves on most, and help us to consistently cater to your needs. We would even go as far as to credit ourselves with alleviating stresses associated with filing for bankruptcy, through the provision of excellent, online-only courses at such a low price point. We focus specifically on these courses, nothing else. Meaning: we are experts in our field, and dedicate our efforts solely to get you through this stormy period of financial distress, to sunny financial freedom on the other side. Without us, filers could be paying a lot more to take their courses through other more expensive, less personal providers, even paying for additional services they don’t even want or need.

And of course, we have one of the best blogs going. We thought that was worth a mention.

How would you summarize Affordable Bankruptcy Courses? Let us know in the comments section below!

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