You have gone through the arduous Arizona bankruptcy application process, filing what feels like millions of forms, going through your finances with a fine-toothed comb, and even going to pre-bankruptcy credit counseling. You are nearing what looks to be the light at the end of the tunnel, and suddenly you find out that you are not quite out of the woods yet—you need to do one last thing before your debt can be discharged.
This one last thing, of course, is your mandated pre-discharge counseling. While it may feel redundant—especially after so recently taking your credit counseling course—the last of the two debtors’ education courses you must take is really more of a financial management course that will give you the tools to create and follow a budget that is tailor-made to your personal situation.
As technology has improved, this process has gotten easier than ever before. Many companies offer the course online, and you can complete it from home in a few hours. While there is a small fee associated these courses—typically between $25 and $50—you may be able to have the fee reduced or waived based on your income. Once you have completed the course successfully, you will receive a certificate of completion from the agency offering the course, and you will submit that (along with Official Bankruptcy Form 23 if the agency you used does not automatically notify the court of your course completion) to the court.
When it comes to choosing a debtor education agency, be sure that the company has been approved by the U.S. Trustee’s office to offer the course to debtors in Arizona. You can find a complete list of approved agencies for Arizona residents here.
While your plate is full as you prepare to wrap up your Arizona bankruptcy case, think of the debtor education course as an opportunity to fine-tune your personal financial management skills and prevent any future hardships. You should congratulate yourself on getting this far, and look forward to a better financial outlook for years to come! If you have any questions or concerns about your case, feel free to call the Phoenix bankruptcy attorneys at Curry, Pearson & Wooten today at 602-258-1000 or toll-free at 888-929-5292.