Official Form 423 Certificate About a Financial Management Course

Bankruptcy Form 423 Instructions

1. Provide your full name, the court district name, and the case number at the top of the form.

2. In Part 1 you will be asked to provide information about the approved course in personal financial management, including:

   • The date in the MM/DD/YYYY format;
   • The name of the approved provider;
   • Your financial management course certificate number.

3. Check the appropriate box if you have a waiver granted by the court due to special conditions or circumstances. This may include:

   • Incapacity due to mental illness or deficiency preventing you from making rational decisions about finances;
   • Disability due to physical condition, preventing you to take a course either in person, by phone or using the internet;
   • Active duty in a combat zone;
   • Residency in a district in which bankruptcy administrators have determined that approved financial courses may not adequately meet your needs at this time.

4. To apply for a waiver, a motion with the court must be filed and a court order obtained.

5. In Part 2 you will need to certify that all information provided by you is correct, sign, print your name, and date.

6. An approved financial management course must be taken by individuals that have filed for bankruptcy. It is often called a second bankruptcy course or a pre-discharge debtor education course, the purpose of which is to teach you to deal wisely with your finances after bankruptcy. If there's a joint case, commonly a debtor and a spouse, both debtors need to take a financial management course and complete an Official Form 423.

Bankruptcy Form 423 has to be completed after filing for a bankruptcy case and within 60 days from the first meeting with your creditors.

Not the form you need? Check out these related topics:

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