To receive a Chapter 7 or Chapter 13 bankruptcy discharge, you must complete a course in personal financial management This is in addition to the pre-bankruptcy counseling course that took prior to your bankruptcy case being filed. The debtor education course is intended to teach you how to manage money and use credit wisely after bankruptcy. If you do not timely complete the debtor education requirement the Court will close your bankruptcy without entering a bankruptcy discharge. Without a bankruptcy discharge you still owe money to all your creditors.
You must take the debtor education course from a provider approved by the U.S. Trustee You can find a list of the approved debtor education providers on the U.S. Trustee’s website www.justice.gov/ust-regions-r19. I would recommend using Summitfe.org as you can take the course online and the cost is about $8.50. Please take the second course prior to the meeting of creditors and forward a copy of the Certificate of Completion to my office. It must be filed with the Court within 45 days of the date your case was filed, or the case will be close without a bankruptcy discharge.