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Simple English definitions for legal terms

personal financial responsibility counseling

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A quick definition of personal financial responsibility counseling:

Personal financial responsibility counseling is a class that someone who owes money (but not a business) has to take within 60 days after a meeting with the people they owe money to. The class teaches people how to manage their money better. Only certain people can teach the class and give a certificate that says the person took the class. The person has to give the certificate to the court before they can stop owing money.

A more thorough explanation:

Personal Financial Responsibility Counseling

Personal financial responsibility counseling, also known as personal financial management class, is a course that an individual debtor must complete within 60 days after the 341 Meeting of Creditors to receive a discharge of debts. This counseling is only available to individual debtors and not business debtors. The counseling must be provided by an approved counselor or educator listed on the U.S. Trustee Program's list. Once completed, the counselor will issue a certificate of credit counseling completion, which the individual must file with the bankruptcy court before discharge.

An example of personal financial responsibility counseling is a course that teaches individuals how to manage their finances, create a budget, and avoid debt. Another example is a counseling session that helps individuals understand the consequences of bankruptcy and how to rebuild their credit after bankruptcy.

For instance, if an individual files for bankruptcy, they must complete personal financial responsibility counseling to receive a discharge of their debts. The counseling will help them understand how to manage their finances and avoid future debt. Once completed, the individual will receive a certificate of credit counseling completion, which they must file with the bankruptcy court before discharge.

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13:22
@HopefullyInLawSchool: that is so unfair its insane that people have to go through that
theres a student that is literally having a baby and the admin denied her request for a test extension, and told her to come in the day after she gave birth to take the exam w her baby
come in the DAY AFTER SHE GIVES BIRTH
W HER BABY
13:23
saw that, crazy that she cant just hold the fucker in for a day longer
LMFAO
babycat
13:23
gulc going to hell I’m so serious
glovediedthisishismom
13:24
thats definetly horsey on an alt
glovediedthisishismom
13:24
no way any professor did that
13:25
thrifted a vintage burberry suit today and feeling unstoppable
Dkk
13:26
Nice
glovediedthisishismom
13:26
im in the field like a defensive lineman im always in saks 💯
1a2b3c4d26z
13:26
That's awesome
1a2b3c4d26z
13:26
real ones shop at bergdorf
13:28
real ones shop at YMH
triplethread
13:28
i missed another fordham wave
triplethread
13:28
mamas getting denied
JumpySubsequentDolphin
13:29
the bergdorf on 5th Ave in NYC is so
JumpySubsequentDolphin
13:29
it feels like home
Dkk
13:29
I'm at your mommas house rn: https://x.com/Mansavelli_/status/1648073454665572352
triplethread
13:29
im addicted to reacting to all of the decisions
triplethread
13:29
with the emojis
HopefullyInLawSchool
13:29
I shop at Joe
HopefullyInLawSchool
13:29
Joe's
glovediedthisishismom
13:30
i shop at tawget
glovediedthisishismom
13:30
im dawk gawthic maga
triplethread
13:30
i shop at giant eagle
ForDizzyDJoy
13:31
How did i miss Fordham and American’s wave and I applied in september 🙃
13:33
Lol UC Davis took me of ED and put me in RD
13:34
surprised I didnt get straight denied
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