Welcome to TEN's online course for debtors who have already filed their Chapter 13 petition and have been directed to this site by their Trustee.

Information about Chapter 13 (PDF)

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First-time user?
Click on Register below.

You will receive registration confirmation by email. You must have a valid email address. Your registration will only be complete when you read and respond to the email as directed.

Google Chrome DOES NOT work with this site's lessons. A recent change in Google Chrome now makes it incompatible with online education programs like ours. Please use another browser: Internet Explorer, Microsoft Edge, Firefox, etc. while we address the problem.

About Smartphones (NOT recommended). DO NOT USE.  If attempted, make sure you orient the device horizontally. 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 other devices listed in Step 2.

Don't forget to view Step 2 below before starting the course. USE HELP in the Main Menu to check the answers to FAQs (Frequently Asked Questions) and to contact Technical Support.

Step 1. Register for the course.

You must meet these conditions:

  • an active Chapter 13 case. This course is NOT for Chapter 7 cases.
  • a valid email address. This is how you will complete your registration and receive your certificate when you complete the course.
  • the Trustee Identifier Number you were given by your attorney or trustee's office. It is on the flyer they gave you about this site. It looks like TEN13XXX. You will need to input TEN13 and the 3 missing numbers.
  • your Chapter 13 Bankruptcy Case Number. If this is not correct, we will not be able to file the certificate with the court when you complete the course. It should look like this: 16-12345. It has two digits for the year and 5 numbers (YY-XXXXX). Sometimes your case number with have letters and initials attached to them. You may include them, just be certain you have the required numbers included.
  • your full name "exactly" as shown on your bankruptcy petition.
  • your Chapter 13 bankruptcy Schedules A/B, D, and E/F for Lesson 1 and Schedules I and J for Lesson 3. You can get copies of these Schedules from your attorney, or the Bankruptcy Clerk for a small fee.
  • only one person's name can appear on each certificate to be filed with the court. If your spouse is named on a Chapter 13 bankruptcy petition, they will need to register and take the course individually. They will need a separate valid email address. Check your email for a link to use to confirm your registration. (We need to make sure your email address works.) 

Now Sign up for the course.

Step 2. Everything Technical You MUST know before starting the course.

Everyone should look at the Course Requirements. You'll need speakers or headphones and your copy of your bankruptcy schedules. 


Desktop or Laptop (recommended)

The course was developed for the horizontal format on a large scale.  A desktop or laptop is the best way to see the course as intended.

Chromebook Works well using built-in browser.

If you need to use F5 to refresh your learning path (list of lessons completed), use the reload button, a circular arrow, at the top left of your browser window.


iPad (recommended in horizontal format) Use the built-in browser (Safari). We find that video clips tend to freeze before playing. You can pause and then play the slide the moment you notice this and it will play just fine. If you feel you missed something, use the menu or the previous button or arrow to repeat the silde. We'll be making tweaks to improve the course performance on iPads. 

iPad users: See the problem with using Chrome below under Browser Section (below).

Surface Pro 3+   Works well using Internet Explorer or Microsoft Edge. Use horizontal format.

Others tablets: Maybe possible, but unless they have a lot of RAM (at least 16G recommended) it could be very slow. Use horizontal format.

Smartphone (NOT recommended). DO NOT USE.  If attempted, make sure you orient the device horizontally. 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 above devices. 


What browser?  Try any browser—We tested Internet Explorer, Microsoft Edge, Safari, Vivaldi, and Firefox.

Click here for browser ID and update.  (Recommended) Update your browser routinely to ensure the latest security measures.

The problem with Google ChromeDo you know how annoying it is to be on a website and an advertisement video starts playing automatically? Well, Chrome had decided to mute all audio automatically when you open a webpage.  This is causing a huge problem with instructional programs that have narration. You may experience NO audio for the start of each lesson because you are using Chrome.  If you want to stick with Chrome, you’ll need to repeat the first slide in order to hear what it is saying. You could also simply press Pause and then Play at the beginning of each lesson. This could change at any time, making Chrome just fine for this and any other course. Try it. 

  Use the built-in browser, Safari, for the best experience. 


Move on to Step 3. 


Step 3. How to begin the course.

Do NOT skip Step 2 above. It will be the only way to prevent technical problems before starting the course.

  1. DO NOT TAKE THIS COURSE for a Chapter 7 case. It is for Chapter 13 cases only
  2. Once your computer is configured, begin the course by logging in with the username and password you created during registration.
  3. Then click on The Lessons in the Main Menu. 
  4. Most people will choose the EARN CERTIFICATE (English) version. You only choose one course. 
    The course contains an Orientation and 10 Lessons as you can see listed at the top of the homepage

    The EARN CERTIFICATE (Spanish) version is also available. Select either the English or the Spanish course. You only need to select one course.

    The NO CERTIFICATE versions (English or Spanish) are for your convenience to review any of lessons as you like sometime in the future. 



Frequently Asked Questions (FAQs) in Help in the Main Menu of 13Class.com




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