["International Insolvency Review, EarlyView. ", "\nAbstract\nBankruptcy counselling and debtor education (which can now occur online) have been linked to recidivism rates. But there is little research on online service delivery related to credit counselling and little empirical evidence on the effectiveness of short‐duration, online bankruptcy modules or courses. This research commentary explores assumptions surrounding American and Canadian online bankruptcy education models with a focus on factors that might shape the effectiveness of online delivery and improve consumer self‐efficacy to reduce recidivism. After describing both models, the discussion turns to the effectiveness of online delivery models in general, bankrupts assuming responsibility for self‐directed learning, assumptions around both their readiness and motivation for e‐learning, e‐learning under stress, senior e‐learners, and assessing successful online learning. The intent is to stimulate future research on this under‐researched aspect of the insolvency phenomenon.\n"]