Debtor's Certification of Financial Management Course

In addition to the credit counseling course that a debtor must take prior to filing, he/she must also take a financial management course before receiving the bankruptcy discharge. This is completely separate from the credit counseling prerequisite.  The purpose of the financial management course is to help the debtor with budgeting and money management after he/she obtains their fresh start.

Lawmakers truly intended for bankruptcy to be a fresh start.  The credit counseling and financial management courses are mandatory so that the debtor has the tools he/she needs to be financially successful.