With 10 months left on my 5 year (actually 54 month) Chapter 13 plan, I decided to get the mandatory Debtor Education Course out of the way. Perhaps some of you might appreciate knowing what you are in for.
I took the on-line course at [debtoredu.com]. I found out about it at the US Trustee's website. It is an approved course almost everywhere (how many different ways are there to say the same thing?). It costs $9.95 which you pay for with a credit or debit card, or Paypal, due when you register.
It takes two hours to complete, and it is divided into 5 sections. There is a countdown timer at the top of the page, which stops when you click the "next" button to continue. Arriving at the next page, the timer begins to count down again.
I chose to listen to the audio and let the pleasant male voice do the reading. The voice reads every single word of the text on each page. At the beginning of the course, I hit the "next" button as soon as the voice finished reading the page, but toward the end of the course, I began to delay that in order to run more time off of the countdown timer.
It stands to reason that letting the voice read the pages would approximate the full two hours that you must use before you are allowed to finish the course. There is a quiz at the end of each section consisting of about 10 multiple choice questions. I only got 1 answer wrong on probably the only "trick" question there is in the course. Unless you are a cretin with a room temperature IQ you will answer the vast majority of the questions correctly. The program did not react to the one question I answered incorrectly, but it did display the correct answer.
When you get to the end of the course, the program will not allow you to hit the last "next" button until the timer has timed out to zero. I had 30 seconds left, and when I hit "next" I got a message in red that said to wait until the timer runs out. When I did, I arrived at the certificate of completion page. Read the instructions carefully before you hit the "Issue Certificate" button. Basically, the instructions tell you to review the info on your registration form and ensure that the date is 100 percent correct. They charge $5 to correct each mistake when it comes to your case number, BK district, and some other vital statistic.
I can tell you this: you have heard it all before, but it is worth hearing it again. The course materials, that is.
I took the on-line course at [debtoredu.com]. I found out about it at the US Trustee's website. It is an approved course almost everywhere (how many different ways are there to say the same thing?). It costs $9.95 which you pay for with a credit or debit card, or Paypal, due when you register.
It takes two hours to complete, and it is divided into 5 sections. There is a countdown timer at the top of the page, which stops when you click the "next" button to continue. Arriving at the next page, the timer begins to count down again.
I chose to listen to the audio and let the pleasant male voice do the reading. The voice reads every single word of the text on each page. At the beginning of the course, I hit the "next" button as soon as the voice finished reading the page, but toward the end of the course, I began to delay that in order to run more time off of the countdown timer.
It stands to reason that letting the voice read the pages would approximate the full two hours that you must use before you are allowed to finish the course. There is a quiz at the end of each section consisting of about 10 multiple choice questions. I only got 1 answer wrong on probably the only "trick" question there is in the course. Unless you are a cretin with a room temperature IQ you will answer the vast majority of the questions correctly. The program did not react to the one question I answered incorrectly, but it did display the correct answer.
When you get to the end of the course, the program will not allow you to hit the last "next" button until the timer has timed out to zero. I had 30 seconds left, and when I hit "next" I got a message in red that said to wait until the timer runs out. When I did, I arrived at the certificate of completion page. Read the instructions carefully before you hit the "Issue Certificate" button. Basically, the instructions tell you to review the info on your registration form and ensure that the date is 100 percent correct. They charge $5 to correct each mistake when it comes to your case number, BK district, and some other vital statistic.
I can tell you this: you have heard it all before, but it is worth hearing it again. The course materials, that is.
CLOSED 12/18/12
Comment