Consumer Bankruptcy Law and Practice: 8.3.3 Personal Financial Management Course
To receive a discharge in a chapter 7 or chapter 13 case, the debtor must, with limited exceptions, submit proof of completion of an instructional course concerning financial management.43 The Bankruptcy Rules provide that the certification of course completion is to be submitted by the debtor using Official Form 423.44 However, the debtor need not file a certificate of completion of the course if the course provider has notified the court of the completion, as will occur in most cases.