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Debtor Education Courses and Debt Discharge

There are many different requirements that must be met when a person is filing for bankruptcy, including the attendance of a debtor education class. A person involved in either a Chapter 7 or Chapter 13 bankruptcy case will need to attend a class about financial management in addition to the credit counseling session at the beginning of the bankruptcy process. Without taking the financial management course, a person may not be able to have his or her debts discharged.

If you’ve been thinking about filing for bankruptcy, we may be able to help you navigate the difficult legal system involved with this debt reduction process. For more information about your options, contact a Joliet Chapter 13 lawyer or Chapter 7 attorney of the Law Offices of Stuart B. Handelman today by calling 815-722-2201.

Pre-Discharge Debtor Education

In Chapter 7 and Chapter 13 bankruptcy cases, a debtor needs to attend two different financial courses or consultations. The first occurs before filing; it is a credit counseling session completed with a court-approved agency. The second must be fulfilled before a person can receive a discharge order. Basically, it is a course that covers important financial management information.

This debtor education must be completed according to the following rules:

  • Course information must cover government-required curriculum points
  • Course must last at least two hours
  • Course must be through a court-approved agency
  • Form 23, or proof of course completion, needs to be filed within 45 days after the first creditor meeting in Chapter 7 bankruptcy
  • Form 23 needs to be filed before the last payment plan amount is paid in a Chapter 13 situation

If debtors fail to complete this education course within the required amount of time, they won’t be able to complete their bankruptcy.

Contact Us

If you’re facing uncontrollable debt and need a solution, we may be able to help you. To learn more about your options and responsibilities as a debtor during the bankruptcy process, contact a Joliet bankruptcy lawyer of the Law Offices of Stuart B. Handelman at 815-722-2201 today.