Arkansas Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management - Post 2005
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How to fill out Debtor's Certification Of Completion Of Instructional Course Concerning Personal Financial Management - Post 2005?
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FAQ
A Chapter 13 discharge is a formal document signed by the bankruptcy judge that says you've successfully met the terms of your repayment plan. It means that any remaining balances on your qualified debt are forgiven, and it's a red-light-full-stop for creditors trying to collect debts.
Bankruptcy Courses If you are on the receiving end of Bankruptcy Official Form 423, then it is safe to say that you are in the middle of a bankruptcy. The law requires bankruptcy filers to complete two classes. First, a debtor must complete a pre-filing class. Second, a debtor must complete a post-filing class.
The plan need not pay unsecured claims in full as long it provides that the debtor will pay all projected "disposable income" over an "applicable commitment period," and as long as unsecured creditors receive at least as much under the plan as they would receive if the debtor's assets were liquidated under chapter 7.
If your case is dismissed, you are entitled to a refund of any money that is still in the trustee's possession. However, the trustee has to get approval from the court to send the money back to you, and they are allowed to take their administrative fees out of that money before refunding it.
Whether the trustee can take money you receive after filing your case depends on whether you were entitled to the money at the time your case was filed and how it was listed on your forms, if at all.
After Plan Completion: After all payments have been completed, the Chapter 13 Trustee will file a Motion to Return any Excess Funds to Debtor and to Terminate any Payroll Deduction by Employer. If the Motion is granted, the Court will enter an order granting the motion and issue two notices.