{"id":843,"date":"2018-03-02T10:45:29","date_gmt":"2018-03-02T16:45:29","guid":{"rendered":"http:\/\/www.mankatobankruptcy.com\/blog\/?p=843"},"modified":"2018-03-02T10:45:29","modified_gmt":"2018-03-02T16:45:29","slug":"understanding-the-predischarge-debtor-education-requirement-for-bankruptcy-in-luverne-mn","status":"publish","type":"post","link":"https:\/\/www.mankatobankruptcy.com\/blog\/understanding-the-predischarge-debtor-education-requirement-for-bankruptcy-in-luverne-mn\/","title":{"rendered":"Understanding the Predischarge Debtor Education Requirement for Bankruptcy in Luverne, MN"},"content":{"rendered":"

Whether you file for liquidation<\/a> or debt reorganization<\/a> bankruptcy, it\u2019s likely that one or more of your debts will be discharged in the process. Discharging debts in Chapter 7 serves to simultaneously relieve debtors of unmanageable financial hardship and allow fair treatment of creditors despite a lack of full repayment. In a Chapter 13 case, certain debts can be discharged<\/a> through a repayment plan. Foreseeing which debts will be discharged can be difficult, and organizing your case without the help of a professional may change that outcome. Behm Law Group, Ltd. offers legal advice and assistance if you choose to file for bankruptcy in Luverne, MN.<\/p>\n

In addition to the many requirements involved in bankruptcy cases, filers who will have debts discharged must undergo predischarge debtor education before the bankruptcy process can be completed and before the bankruptcy court can issue a discharge order.<\/p>\n

Predischarge Education<\/strong><\/h3>\n

The predischarge debtor education requirement was established with the purpose of advising those who\u2019ve fallen into debt and filed for bankruptcy on how to better manage their finances. This course is different from the credit counseling requirement which debtors must undergo prior to filing a bankruptcy petition. Instead, debtors must go through a predischarge education course after their petition is filed but before they\u2019re granted a discharge on any debts.<\/p>\n

The financial management education course must be provided by a court-approved agency within a forty-five day period after the meeting of the creditors<\/a>. The course lasts around two hours and covers materials that teach debtors how to improve their financial situation after bankruptcy. Topics include effective budgeting practices, handling taxes sensibly, and other court-required material.<\/p>\n

You\u2019ll certify your fulfillment of the predischarge debtor education requirement with bankruptcy Form 423<\/a>, and if you file a joint bankruptcy petition, you and your spouse must both take the course. Additionally, the agencies that provide the necessary predischarge debtor education course don\u2019t have to follow the same non-profit regulations as credit counseling providers. This means you may have to pay a fee to take the required course.<\/p>\n

If you\u2019re contemplating filing for bankruptcy, it\u2019s important to consider fees for requirements like predischarge debtor education and other milestones in your case before you begin. Behm Law Group, Ltd. offers assistance at every step whether you file for Chapter 7 or Chapter 13 bankruptcy in Luverne, MN. Contact us at (507) 387-7200 today for more information.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Whether you file for liquidation or debt reorganization bankruptcy, it\u2019s likely that one or more of your debts will be discharged in the process. Discharging debts in Chapter 7 serves to simultaneously relieve debtors of unmanageable financial hardship and allow fair treatment of creditors despite a lack of full repayment. In a Chapter 13 case, […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[37,31,3,30,29,44],"tags":[],"aioseo_notices":[],"yoast_head":"\nUnderstanding the Predischarge Debtor Education Requirement for Bankruptcy in Luverne, MN - Behm Law Group, Bankruptcy Attorneys<\/title>\n<meta name=\"description\" content=\"If you're filing for bankruptcy, it's likely you'll have to complete predischarge debtor education before any of your debts are discharged. 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