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YOUR BANKRUPTCY DOCUMENTS
There are two required counseling sessions that must be completed by every Debtor prior to receiving a discharge of their debts.
We often have clients call us advising that they have received a document from the bankruptcy court titled “Notice of Missing Documents to Individual Debtor.”
This notice generally relates to the filing of the certificate of completion for the “pre-discharge” or “financial management” course.
We don’t ever want you to ignore any notice you receive in the mail, but we would ask you to keep in mind the deadlines for filing the certificate.
The certificate of completion for the financial management course must be filed with the bankruptcy court within 60 days after the date first set for the meeting of creditors in a Chapter 7 case, as required by Rule 1007(c) of the Federal Rules of Bankruptcy Procedure.
In a Chapter 13 case the certificate of completion must be filed before the Debtor makes their last payment under their Chapter 13 Plan.
When we correspond with our clients to complete the financial management course we would ask that you complete the course without delay, but please do not panic over the notice received from the bankruptcy court.
Many times these notices are generated prior to the meeting of creditors, so you have a sufficient period of time to complete the course.