FAQs--Frequently Asked Questions
Can I take this course for a Chapter 7 bankruptcy case?
No. This debtor education course provides a valid certificate for Chapter 13 bankruptcy cases only.
Can my spouse take the course with me?
If your spouse is also named in the Chapter 13 bankruptcy case, then they, too, need to earn a certificate to qualify for a discharge of their debts. Your spouse must register and complete the course separately to earn their certificate. You'll each need separate email addresses. You can use the same computer, but not at the same time.
My spouse and I only have one email address we use for both of us. What do we do?
Simply, you get another email address. They are free. The major email providers have instructions on their sites that tell you how to add another email account.
One quick way to have a second address without setting anything up is to use Plus Addressing. For example, your email address is [email protected]. You can provide anyone this address: [email protected]. You'll have two addresses, and all emails still go into the same [email protected] account.
Providers That Support Plus Addressing
- Gmail: Supports plus addressing by default.
- Outlook.com (Microsoft): Has a similar feature, sometimes referred to as subaddressing.
- Fastmail: Supports plus addressing.
- Yahoo Mail: Provides a similar function through disposable email addresses.
How much does this course cost me?
Your Trustee is paying for you to take the course so you can earn the certificate you need to qualify for a discharge of your debts upon completion of your case. There is no out-of-pocket expense to you. 13Class.com never asks for a credit card from you. If you are asked for money for this online course, please check that you are on the right site. The top line of your browser should start with 13class.com.
Can I take the course if I don't have a computer?
Yes, you can borrow one. Any recommended device mentioned on the homepage of 13Class.com and connected to the internet can be used. Many debtors complete this course by using a computer at their local public library. Most lessons are around 20 minutes long, so if there is a time limit on using a library's computer, you can plan a few visits to complete them. Don't forget to bring your headphones or earphones so you can hear the audio. Also, you can put off downloading and printing any of the course materials while you are enrolled. You can return to the course at any time after earning your certificate to download any of the helpful resources it offers.
What if I need to switch computers? Do I have to start over?
No, you won't have to start over. The online course does not live on your computer. It remains on the Internet. It follows your username and password. You must remain connected to the Internet throughout the course. We recommend desktop or laptop computers and tablets. Phone screens are so small that it is difficult to see and click on the various things you must work with on the screen.
Can I use my smartphone for this online course?
Smartphones are NOT recommended. The course was designed for larger screens, and there are too many variables between phones for us to troubleshoot. If you have problems using a smartphone, Technical Support will not be able to recommend anything but to use one of the recommended devices
How do I get help if I have technical difficulties?
Please don't contact your attorney or trustee for technical assistance. This course is not their responsibility. Click on the Leave a message for TechSupport found at the top of the website pages. You can also access the Help page from the Main Menu. A reply email will be sent within 12 hours. Provide as much detail as you can to describe your technical problem. Sometimes it will be more expedient for Tech Support to call you to get you back on track.
How long does the course take to finish?
US Trustee regulations require you to receive a minimum of two hours of approved financial management instruction. This course, if completed with conscientious effort, should take four to five hours to complete. You don't have to complete it in one sitting. It is best to try to complete the course within a week or two. Passage of the Final Quiz will be easier if the information presented in the lessons is still fresh to you.
We recommend that you complete the course within 60 days of signing up. If you abandon your seat in the online course, you will be removed after 60 days and will need to start the course over to earn a certificate.
Do I have to complete the course all at once?
No. The course is made up of several 20-30 minute lessons. You can try to complete it all in one sitting, but staying concentrated on the material could be very difficult. We recommend you plan to complete 1 or 2 lessons each time you log in. When you see the display verifying that you have completed the current lesson, you can log out or close your browser window. The next time you log in and go to The Lessons and select your course, the program will pick up where you left off with the next lesson ready to go. It is expected you will complete the course within 1 year of the date you filed Chapter 13. We recommend completing the course within 60 days of enrolling. If you abandon your seat in the online course, you will be removed after 60 days and will need to start the course over to earn a certificate.
Are there quizzes?
Yes. Each lesson ends with a short quiz to help you recall the basic information just presented. They are not graded. After you complete all 10 lessons in the course, there will be a final quiz made up of 10 questions and answers you've already seen. Once you pass this quiz, you will be eligible to receive a certificate from the US Trustee’s Office indicating that you have completed the required course. You can repeat the Final Quiz as many times as necessary to pass. Only the last score is kept. When you pass, you can log out and check your email. If after multiple attempts you cannot pass the quiz, you can click on the button that notifies a financial educator to assist you. An appointment will need to be made. The process can take a day or two. Multiple attempts at the Quiz would take less time.
I completed the course. Where is my certificate?
Once you have passed the final quiz, you will immediately receive an email of congratulations from us. There will be no certificate to print at that time. We will notify the US Trustee’s Office of your success. This will take up to 3 business days. The certificate of completion will be emailed to you at that time. You may want to forward it to your attorney then, and print a copy for your files.
If you can't find the email with the certificate attached, it is most likely in your Bulk or Spam folders if you did not add [email protected] to your email contacts. Also, if you check your email on your smartphone, not all of it is transferred, especially Bulk and Spam Emails, or attachments. We recommend you look for the email with the certificate attached (a PDF document) using your computer.
As a courtesy, the course provider, your trustee, will file the certificate directly with the bankruptcy clerk in your case within 15 days.
You can return to the site and review any lesson by visiting the Finally, Financial Freedom!--Refresher Course. You can also access downloadable forms and links without viewing any lessons again.
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