Certificate of Financial Management

Rev. 09/30/14



Every individual debtor in a chapter 7 case or chapter 13 case must file a certification of completion of instructional course concerning personal financial management.  In a chapter 7 case the certification is due within 45 days of the date first set for the meeting of creditors under Section 341 of the Bankruptcy Code.  In a chapter 13 case, it must be filed no later than the last payment made by the debtors as required by the plan or the filing of a motion for entry of a discharge under Section 1328(b) of the Code.  If a joint petition is filed, each spouse must complete and file a separate certification.

Codes, Rules and Forms:

Bankruptcy Code:

521 & 109(h)

Bankruptcy Rule:


Local Rule:


Local Form:

B 23 (Official Form 23)


CM/ECF Event(s):

            Miscellaneous, Certificate of Financial Management

            Motions/Applications/Contested Matters, Exemption from Financial Management Course