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Discharge – Form 23 (miss at your own risk)

To receive a discharge in chapter 7 consumer debtors must complete both prepetition debt counseling and post-filing debtor education. In addition, debtor’s counsel must file Official Form 23 Certification of Completion of Instructional Course Concerning Personal Financial Management within 45 days of the meeting of creditors. BR. 1007(c). The certificate number from the debtor education course must be placed on Form 23, or the certificate itself must be attached. Each debtor in a joint petition must complete and file a separate certification. Certificates from debtor education services that are filed without Form 23 will be rejected and Attorneys will be required to refile. If the form is still not filed the case will be closed without discharge and the Attorney will have to file a Motion to Reopen and pay a $260 fee to secure a discharge.

Note: do not use Official Form 23 to file the certificate given by the prepetition credit counseling provider and do not include it with the petition when filing a case.

Questions? Call ECF Help Desk at 312-408-7765.