Course Information
A Debtor Education Personal Financial Management Course
This 2½ hour, classroom-based course meets the legal requirement for personal finance education for anyone who has filed Chapter 7 or Chapter 13 bankruptcy in the state of Texas.
The course provides practical, unbiased strategies to reduce spending, increase savings, and manage credit wisely. It will cover the following topics:
- Developing a spending plan
- Setting SMART financial goals
- Cutting costs, better buying, and increasing savings
- Using credit wisely and understanding your credit report
- Recordkeeping and sources of unbiased information
- Understanding interest rates and fees - the full “cost of money”
Certificate
Participants who complete the training program requirements will receive a certificate that will document that you have satisfied the personal education requirement of the Chapter 7 or Chapter 13 bankruptcy filing process.
Training program requirements:
- Pre-register and pay for course
- Attend 2½ hour classroom course
- Complete course evaluation form
Fee
- $25 per person
- $40 per couple
- Services are provided without regard for students’ ability to pay. The course fee will be waived for those who provide proof of current receipt of TANF, WIC, food stamps, or SSI.
Courses
Edinburg
Location:
410 North 13th Ave.
Edinburg, TX 78541-3408
Click for Map
- Tuesday, August 26, 2:00–4:30 p.m.
Instructor:
Nora Garza
M.S. in Home Economics from Oklahoma State University
B.S. in General Home Economics from Arizona State University
B.S. in Journalism from Arizona State University
Certified Instructor: Money Smart - FDIC
Certified Provider: First Time Home Buyer - Texas Department of Housing and Community Affairs
Fort Worth
Location:
Tarrant County Plaza
Texas AgriLife Extension Service
200 Taylor, Suite 500
Fort Worth, TX 76102
817-884-1294
Click for Map
- Thursday, September 4, 4:00–6:30 p.m.
- Wednesday, October 15, 10 :00–12:30 a.m.
Instructor: Marian Ross
Lufkin
Location:
Texas AgriLife Extension Service
2201 South Medford Drive
Lufkin, TX 75901
936-632-8239
Click for Map
- no classes scheduled at this time
Printable Registration Form
Instructor:
Anna Boles Lee
B.S. Family and Consumer Sciences, Stephen F. Austin University
M.S. in progress, Family Studies, Texas Woman’s University
Midland
Location:
Texas AgriLife Extension Service
2445 East Highway 80
Midland, TX 79706-4310
Click for Map
- no classes scheduled at this time
Printable Registration Form
Instructor:
Melinda (Lindy) Tefteller
B.A. in Psychology from Wayland Baptist University
M.A. in Counseling from Dallas Baptist University
New Braunfels
Location:
325 Resource Dr.
New Braunfels, TX 78132
Click for Map
- Monday, September 29, 2:00–4:30 p.m.
- Monday, September 29, 6:00–8:30 p.m.
- Monday, November 17, 2:00–4:30 p.m.
- Monday, November 17, 6:00–8:30 p.m.
- Monday, December 8, 2:00–4:30 p.m.
- Monday, December 8, 6:00–8:30 p.m.
Instructor: Martha Joyce
Rosenberg
Location:
Texas AgriLife Extension Service
1402 Band Road, Suite 100
Rosenberg, TX 77471
Click for Map
- no classes scheduled at this time
Printable Registration Form
Instructor:
Sandra Fry
Bachelor of Science, Vocational Home Economics - Indiana State University
Master of Science, General Home Economics - Indiana State University
Certified Family and Consumer Sciences
American Association of Family and Consumer Sciences
San Benito
Location:
1390 West Expressway 83
San Benito, TX 78586
Click for Map
- Tuesday, September 9, 1:30–3:30 p.m.
- Tuesday, October 7, 1:30–3:30 p.m.
- Tuesday, November 4, 1:30–3:30 p.m.
- Tuesday, December 9, 1:30–3:30 p.m.
Instructor: Lilian Mezquida
Victoria
Location:
442 Foster Field Dr.
Victoria, TX 77904
Click for Map
- no classes scheduled at this time
Printable Registration Form
Instructor:
Sarah Womble
B.S. in Family & Consumer Sciences from Sam Houston State University
M.Ed. in Administration and Supervision from the University of Houston–Victoria
The sponsor is approved to issue certificates evidencing completion of a personal financial management course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.

