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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Click on Sign up below.

Within 30 minutes after you sign up, 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. DO NOT REPLY to the email.

  • Access to brochures and forms
  • Glossary of financial management
  • Transcript for the deaf
  • Links to helpful resources
  • Video clips from experts on personal financial management
  • A short 3-4 question ungraded quiz at the end of each lesson so you can check your learning            






  1. You will need a copy of your bankruptcy schedules to do some of the lessons. Those are the documents included in your bankruptcy petition that specify debts, income, and assets. You should already have a copy. If not, you can get these from your lawyer, or the Secretary of bankruptcy for a small fee.
  2. This course will take approximately 4-5 hours to complete. It is advised to take the course in multiple sessions, completing a lesson or two in each session.
  3. The course requires you to go through the lessons in the order they are presented. Lessons average about 22 minutes each. 
  4. Each lesson has controls pause / play / volume.
  5. If you close a lesson before finishing, you will be required to begin the lesson again from the beginning.
  6. The learning management system will remember the lessons you have completed and always be directed to the following required lesson.
  7. A printer is highly recommended to print the worksheets, activities, brochures and other documents. You will be given the option to download the necessary forms at the beginning of each lesson or you can print as directed for each lesson. The downloaded files are for you to keep.
  8. After the Guidance and Lessons 1-10 that will be a competition to win the certificate to be presented in court. You are required to score at least 70% in the questionnaire. You can have multiple attempts to successfully pass the exam.
  9. After completing the course, a certificate will be issued by the course provider and presented to the Secretary of bankruptcy in your case.  A copy will be sent by email

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Computer Compatible operating systems: Windows 7, 8 and later, Mac OS X
NOTE: Windows XP is no longer supported by Microsoft. 
If you are using Windows XP, your computer is extremely vulnerable to viruses and security problems. It also does not work well with current online technology.


Although this course can be seen on a mobile device like a smartphone or tablet, it is not recommended. Much of the detail in the lessons is lost. For this reason, a larger display screen is recommended. iPads and other tablets don't work well with a course as robust as this one. Desktop computers and laptops provide a much more satisfying experience of learning


You will need  speakers or headphones  to listen to the video clips and narration of the course.


If you can not use headphones or speakers, a transcript is provided in the left column of the player lesson. Locate the Transcript tab.

Go to the Home Page and Follow Steps 1, 2, and 3

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