A Debtor Education Provider Your Clients Can Count On

Yes. Westbay Economics is approved by the United States Trustee Program to provide the pre-discharge debtor education course required under 11 U.S.C. § 111 for Chapter 7 and Chapter 13 filers. Our approval covers all states we serve. We maintain our approval status continuously and are required to meet UST quality standards including instructor qualifications and continuing education.

If your client completes the course during business hours, their certificate is issued before the end of that business day. If they complete it after hours, on a weekend, or on a holiday, the certificate is issued the next business day. The certificate is emailed directly to the client and is also available to download from their course account at any time.

No. We provide direct phone and email support to all clients Monday through Friday, 9am to 4pm ET. Clients contact us, not your office. Our team handles all login issues, certificate questions, and technical support.

No. Our policy strictly prohibits paying or receiving referral fees for the referral of debtors to our course, in full compliance with UST requirements. We have no financial arrangement with any attorney or law firm. Attorneys recommend us because it is genuinely helpful to their clients.

We offer a fee waiver and reduced fee program. Clients whose household income is below 150% of the federal poverty guidelines, or who have other documented special circumstances, may qualify for a partial or complete fee reduction. They can call us at (813) 966-4503 to request a fee reduction before enrolling.

The course takes approximately two hours to complete, as required by the Bankruptcy Code. It covers personal financial management topics including budgeting, use of credit, money management, and consumer information. The course is provided entirely in English and is available online 24 hours a day, 7 days a week. Clients can pause and return using their email and account password.