PREDISCHARGE PERSONAL FINANCIAL MANAGEMENT EDUCATION

Under BAPCPA debtors are required to complete an approved program in personal financial management before the Bankruptcy Court is permitted discharge any of their debts. If a husband and a wife are joint debtors both must complete the program. The purpose of this program is to help you plan for your future once you receive your bankruptcy discharge which will free you of some of the debts which have been a burden in the past. The program is a two hour interactive lecture which will give you useful information about how to manage your finances and insights which should help you avoid the mistakes of the past. Once you complete the program you will be issued a certificate which you will need to file with the Bankruptcy Court and will certify to the court that you have satisfied this requirement.

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