Bankruptcy was the reset; Beyond Bankruptcy is your comeback story.

A 12-Week Action Plan to Recover From Bankruptcy and Build the Foundations of a Secure Financial Future

 Make Sure Your Sound Is Turned ON!

  • Follow an easy, step-by-step methodology used all across the US to get people back on their feet after filing for Bankruptcy
  • Learn how to prioritize your post-bankruptcy finances to bring calmness back into your life while rebuilding your financial future
  • Get a clear roadmap and practical tools to re-order your life again and create a better future with a reliable financial structure you can lean on
  • Access one-on-one expert guidance to help answer your questions in plain English, providing you with clarity on how to rebuild your life and thrive after bankruptcy
  • Join a supportive community of others who have gone through bankruptcy and  are helping each other bring order and peace into their lives by sharing their learning experiences

Been there, done that! Lost everything but the t-shirt on my back.

Hi, David Morales here!

Over the past few years I’ve served tens of thousands of people who felt soul-crushed and devastated…

After dealing with the life-crisis of having to file for bankruptcy.

I see it every day…

People feeling guilt combined with a constant self destructive chattering in their head…

Reminding them again and again about the mistakes made in the past.

Although many of the people I’ve helped felt relief after filing for bankruptcy and getting a fresh start, there is always one question that remains:

“I was given a second chance…

I know what I want to achieve in the long-term and I know what my life priorities are…

But I still feel devastated and confused about the near future.

The path in front ot me feels like a complicated Rubik's cube I need to solve, and I don’t even know where to start.

I’m not the same person after everything I’ve gone through…

But I still need to build my life from scratch, and I’m baffled as to what my next steps should be?”

I’ve heard this repeatedly from people of different ages, occupations and gender, and I've found there are universal steps anyone can take to get out of the tough situation they’re in.

With limited financial options and an inability to get a credit card or a loan in the foreseeable future…

Making it through this life-crisis, getting back to normal, and rebuilding your life requires a special set of action steps to get you out of this situation as soon as possible...

And ultimately thrive by using the lessons you’ve learned!
Meet David & DebtorEdu's Team

Hey, my name is David Morales. We have gathered a team with over 15 years of experience in helping people get back on their feet after bankruptcy.

Alongside our partners at DebtorEdu, we have assisted over 1,000,000 individuals going through bankruptcy.

This experience has enabled us to develop systems, tools, and procedures that can help bring stability back into your life.

By working with certified credit counselors, consultants, and attorneys, we have created a comprehensive 12-week program that will enable you to regain control of your financial future, using proven methodologies and one-on-one coaching.

Today, we are sharing all of this with people across the United States who want to recover from bankruptcy as quickly as possible.

First, breathe! Bankrupcy is not the end of the world, it's just a new beginning.

After Years of Consulting

Helping +100,000 People Get Back on Their Feet

We Created a Shortcut to Rebuilding Your Life

Before creating our personalized post-bankruptcy system, we consulted thousands of people who had been struggling to get their lives in order for years.

Many of them were on the verge of giving up...

Feeling hopeless, stuck in a never-ending cycle of barely having enough money to make it to their next paycheck...

Being "one emergency away" from not being able to cover their expenses.

Lost and confused, unable to rebuild the life they had in the past.

After educating and consulting millions of people who were going through bankruptcy, we noticed patterns that separated those who were struggling for years...

From those who recovered quickly in a matter of a few months.

Some of them even created businesses or excelled at their careers, ultimately becoming reliable people their family and friends can depend on.

Their success wasn't the result of special education or connections they had.

It simply resulted from a few habits and tools implemented the right way at the right time, that could easily be replicated by anyone.

With current work layoffs all across the US, we have decided to make this new straight-to-the-point system accessible to anyone.

Introducing a One-Stop Solution to Recovering After Bankruptcy

Beyond Bankruptcy:

A 12-Week Transformation to a Promising Financial Future

Our program, Beyond Bankruptcy: A 12-Week Transformation to a Promising Financial Future, is designed to help people just like you regain control of their finances, rebuild their lives and move forward with confidence.

In this course, you'll learn practical strategies for managing your finances, rebuilding your credit, and creating a solid plan for the future. You'll also gain access to a supportive community of people who are going through the same experience and can offer encouragement and advice.

I know recovering from bankruptcy is challenging, but with the right guidance and support, you can come out of this experience stronger and more resilient than ever before. So why not take the first step toward a better financial future today?
This comprehensive 12-week program is the only one of its kind, offering an online video course you can watch at your own pace, one-on-one personalized coaching, expert instruction, and exclusive resources to support your transformation.

You’ll learn everything from budgeting and credit rebuilding to making better financial choices for the long-term.

Our empathetic and compassionate experts will guide you every step of the way, helping you achieve a sense of confidence and security that you haven’t felt in a long time.

Why Choose Beyond Bankruptcy?

We’re the only ones offering a comprehensive 12-week program to help people rebuild their financial lives right after bankruptcy, and we’re confident in our ability to help you get back on track with your life.

Here are just a few of the reasons why Beyond Bankruptcy is the best choice for you:

Comprehensive 12-Week Video Program

Our program is designed to be the most comprehensive and effective way to rebuild your finances after bankruptcy, with a focus on long-term transformation, featuring 12 modules you can watch at your own pace.

Personalized 1-On-1 Coaching

Every week you’ll have a 15-minute coaching session via Zoom or phone with DebtorEdu’s certified credit counselors, who will work with you every step of the way to keep you accountable, answer your questions and ensure your success.

Bonus Resources

We’ll provide you with 13 different tools, worksheets and templates that support your transformation and help you achieve your financial goals.

Flexible and Accessible Instruction

Our program is available 24/7 with self-paced instruction, so you can take it anytime and anywhere that’s convenient for you, on all your devices.

Exclusive Community

Life post bankruptcy can be lonely and confusing. But once you join Beyond Bankruptcy, you will not be alone. Gain access to a supportive community of people who are going through the same experience and can offer encouragement and advice.

Empathy and Understanding

Our experts have a non-judgmental and compassionate approach to helping you rebuild your financial life. We have always been committed to providing the best client support for people going through the bankruptcy process. We are fully aware that this is a challenging and stressful time, and we are dedicated to helping you navigate through this journey!

Proven Track Record

We have a proven track record of successful outcomes and testimonials from clients who have gone through our program and have built the foundations of a secure financial life.

Why Don’t I Just Get a Financial Consultant Instead?

Here’s what you need to know:

Financial consultants charge about $250 per week. For 12 weeks, you would be paying a financial consultant $3000, which is a considerable cost for anyone who just filed for bankruptcy.

Furthermore, it would take you a long time to find the right professional because most financial consultants are NOT well versed in the impact bankruptcy has on an individual’s finances and the right steps to take to get back on their feet.

While consultants would be shooting in the dark, our 12-week program has the entire blueprint that is needed for you to get back on your feet and secure your financial future.

Here’s What You’ll Learn Within Beyond Bankruptcy...

...and how it will help you build a secure financial life for you and your family so you don’t ever have to feel the stress and overwhelm that come with financial difficulty:
  • A simple 5-step framework to help you set money goals effectively so that you can take control of your spending and saving habits and build the foundation of your new financial life
  • Exactly how to calculate your personal financial goals step by step with the help of our Money Goals Template
  • The 3 key time horizons you need to set financial goals to ensure your financial security long-term
  • How to prioritize your money goals to prevent financial problems from ever occurring in the future
  • How to manage your income and expenses stress-free with the help of our Income & Expenses Worksheet
  • What the 50/30/20 Rule is and how to use it to create your budget in less than 15 minutes
  • What percentage of your income should go toward housing costs to stay financially healthy
  • What percentage of your income should go toward savings, debt repayment and investments to set yourself up for a secure financial future
  • A FREE budgeting tool to automate your budget setup and tracking
  • Why you should build some pleasure into your budget - and how much to allocate toward it
  • Plus a 4-step checklist summarizing what you need to work on this first week to secure your financial future
  • What steps you need to take to make sure any existing bank accounts you have are in good standing, so that you can create a stable financial foundation to build on top of
  • The 2 types of bank accounts you need to have to signal stability to potential creditors
  • How to check if you’ve been “blacklisted” by banks after filing for bankruptcy and how this might affect you
  • A list of banks that offer “Second Chance Accounts” to “blacklisted” individuals in case you find yourself in this situation
  • The 1 thing you need to look for in banks you plan to open an account in
  • Plus an 8-step checklist summarizing what you need to work on this week
  • How to determine which of your debts have been discharged and which ones you still need to pay
  • The exact steps you need to take to manage your discharged debt if creditors try to collect from you in case of Chapter 13 bankruptcy and Chapter 7 bankruptcy, respectively
  • How to manage non-discharged debt such as student loans, child support obligations, taxes, and other loans
  • The 2 most effective strategies for debt repayment and how to apply them to prioritize debts correctly and minimize cost (from interest) while paying them off as quickly as possible
  • Plus a 4-step checklist summarizing what you need to work on this week
  • How quickly can your credit score increase to a point where you can obtain new credit in case you need it (it’s quicker than you think, provided you take the right steps)
  • How to verify your credit report, and how to take steps to remove inaccurate or outdated information and add new and current positive information in order to signal creditors that you’re financially stable
  • A list of agencies you’re eligible to obtain a FREE credit report from once a year
  • Should you hire a consumer credit counseling service or agency? (2 common scams to watch out for!)
  • How to improve your credit score in 4 simple steps
  • A free credit score estimator that will provide you with a FICO® score range
  • Plus a 4-step checklist summarizing what you need to work on this week
  • Under what specific circumstances should you use new credit
  • 7 things to look out for when comparison shopping for credit cards so you can choose the most favorable one for your specific situation (and avoid paying outrageous fees)
  • 2 payment strategies for credit cards to help improve your credit score
  • Credit card vs. debit card - what’s the better option?
  • Plus a 5-step checklist summarizing what you need to work on this week
  • 3 types of loans you can likely get even soon after your bankruptcy discharge
  • 5 loan terms to look out for before taking out any loan so that you can avoid traps and choose the most favorable terms
  • Are lines of credit a good option for you right after bankruptcy?
  • Plus a 2-step checklist summarizing what you need to work on this week
  • How bankruptcy affects your employment and why employment plays a critical role in how your credit profile looks to creditors
  • How your current employment affects your credit history
  • How to prepare to discuss your bankruptcy with a potential employer and exactly what to say
  • Avoiding the 2 most common scams when looking for new employment (they can cost you dearly!)
  • 13 questions you need to ask yourself if you’re retired (or if you’re planning to retire soon) in order to secure your financial future
  • What type of business you should look to start and what type you should avoid in case you want to start one
  • Side hustle ideas to bring in money in your spare time to help you get back on your feet and meet your goals quicker
  • Plus a 5-step checklist summarizing what you need to work on this week
  • How many months worth of expenses should you have a cash reserve for
  • How large should your emergency fund be
  • The most effective strategy to build up your emergency fund quickly and steadily
  • How to identify and eliminate “spending leaks”
  • A time-tested strategy to help you avoid impulse purchases
  • How to get a better deal on recurring costs such as cell phone coverage, internet, and auto insurance
  • A sample worksheet you can use to keep track of your ongoing savings goals so you can stay on track and secure your financial future
  • Plus a 11-step checklist summarizing what you need to work on this week
  • How long would you need to wait to be able to obtain a mortgage in case you want to buy a home
  • The 3 prerequisites for lenders to look favorably on your request to obtain a mortgage
  • The 1 key ratio banks calculate to measure your riskiness as a borrower
  • Is renting or buying a home more favorable?
  • What steps to take if you have a large car payment
  • What NOT to do in terms of managing your auto loan or lease so that you don’t unknowingly decrease your credit score
  • What steps to take if you can’t afford your auto lease payments
  • Is it possible to get a new loan or lease to purchase a vehicle if your bankruptcy was recently discharged
  • Plus a 5-step checklist summarizing what you need to work on this week
  • How your credit score affects your insurance rates
  • What type of insurance to get on property you own or rent (regardless of whether you live there or not)
  • Can you resume your policy if you had health insurance coverage that was terminated due to non-payment
  • The best way to find new health insurance coverage
  • What long-term care insurance is and why it’s highly likely tou will need it
  • Auto insurance opportunities that can help you lower your auto insurance premiums
  • Learn how to speed up your research process for life insurance and what to expect from insurance agents with our tool called “The Life Insurance Company Guidelines” 
  • Plus a 5-step checklist summarizing what you need to work on this week
  • The 2 tax returns that need to be filed after a bankruptcy
  • What your tax reporting obligations are in case of a Chapter 7 bankruptcy and a Chapter 13 bankruptcy, respectively
  • A list of tax and refund records, and other specific records you should keep and how long you should keep them
  • What information you should provide to professional tax service providers to get the most out of their services
  • Plus a 3-step checklist summarizing what you need to work on this week
  • How to calculate your net worth using our Net Worth Calculation Worksheet in order to measure your financial health
  • How often should you calculate your net worth
  • The 2 strategies that can help you increase your net worth
  • The 4 categories of wealth building assets to invest in
  • What are EFTs, and what EFTs to invest in based on 2 important factors
  • A simple rule of thumb for determining the correct asset allocation for you
  • Should you invest in a 401k if your employer offers that option
  • Plus a 3-step checklist summarizing what you need to work on this week
…and much more, once you enroll in Beyond Bankruptcy!

You Will Also Get Access to...

BONUS 1

Before creating a budget, it's important to have clear financial goals and a plan to achieve them.

Our worksheet will guide you through the process of setting short-term, mid-term, and long-term goals, and how to break them down into actionable steps.

BONUS 2

Our “Budgeting Made Easy” Worksheet will guide you through the process of creating a budget that works for your unique financial situation.

We'll teach you how to track your income and expenses, set financial goals, and make a plan to achieve them.

BONUS 3

Our “Personal Net Worth” Worksheet will guide you through the process of calculating and tracking your personal net worth.

We'll teach you how to determine your assets and liabilities, and how to calculate your net worth.

Learn How Hundreds of Others Have Recovered From Bankruptcy And...

Become The Next Success Story

We Offer the Most Secure Guarantee in the World

I understand this might seem like a significant investment, but we’re confident the value of our program far outweighs the cost, as it will help you build the foundations of a secure financial future so that you never find yourself in the same situation you are in today.

We believe in the transformative power of this program so much that we’ve decided to offer a full 30 Day Money Back Guarantee.

You’re either fully satisfied and feeling confident about your financial future after going through the first 4 weeks and completing the tasks or we’ll give you your money back AND you get to keep the course and bonus resources.

Don’t let bankruptcy define your financial future. Take control and start rebuilding your life with Beyond Bankruptcy. Click the button below and get started today!
If you have any questions or concerns, please don’t hesitate to reach out to us at info@debtoredu.com. We’re here to help you every step of the way.

Best Value

Best Value

Financial Fast-Start Package

Instant Lifetime Access to:

  • A comprehensive 12-week video program with self-paced instruction
    ($1,997 value)
  • A supportive community of like-minded individuals who are rebuilding their financial lives after bankruptcy alongside you
    ($497 value)
  • Money Goals Worksheet
    ($17 value)
  • ​Budgeting Made Easy Worksheet
    ($17 value)
  • ​Personal Net Worth Worksheet
    ($17 value)
  • ​10 additional bonus resources including tools, worksheets and templates that support your transformation
    ($197 value)

Plus, a 12-Week Full Transparency Access to:

  • Weekly 15-minute one-on-one coaching sessions with DebtorEdu’s certified credit counselors
    ($1,997 value)

Total value: $4,739.00

Enroll Today For Just: $297

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30-Day Iron-Clad
Money-Back Guarantee

We want to eliminate any doubt in you, so you can test-drive this product for 30 days before deciding if you like it. Either the content inside is helpful to you, or we'll refund you the money. 

Best Value

Best Value

Financial Fast-Start Package

Instant Lifetime Access to:

  • A comprehensive 12-week video program with self-paced instruction
    ($1,997 value)
  • A supportive community of like-minded individuals who are rebuilding their financial lives after bankruptcy alongside you
    ($497 value)
  • Money Goals Worksheet
    ($17 value)
  • ​Budgeting Made Easy Worksheet
    ($17 value)
  • ​Personal Net Worth Worksheet
    ($17 value)
  • ​10 additional bonus resources including tools, worksheets and templates that support your transformation
    ($197 value)

Plus, a 12-Week Full Transparency Access to:

  • Weekly 15-minute one-on-one coaching sessions with DebtorEdu’s certified credit counselors
    ($1,997 value)

Total value: $4,739.00

Enroll Today For Just: $297

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