The goal of every consumer bankruptcy case under Chapters 7 or 13 is to ultimately obtain a discharge. Among the various responsibilities that a Debtor has in order to obtain a discharge is the requirement to take a second bankruptcy course by the statutorily-imposed deadline. This second course is typically known as a course in financial management or debtor education. If the course is not taken and certificate filed timely, a case will generally be dismissed without entry of a discharge.
However, if this does happens there is no need to worry. In such a case, the Debtor must generally file a motion to reopen his/her bankruptcy case for the sole purpose of taking the course and filing the certificate after completion. This motion will usually be granted so long as it is unopposed. There is a filing fee for filing this motion and reopening a bankruptcy case – as of today’s date, the filing fee is $260.00 for Chapter 7 cases and $235.00 for Chapter 13 cases.
At the VC Law Group, we charge nominal flat fees in order to reopen cases for individuals who forgot to take their second bankruptcy courses. If you forgot to take your second bankruptcy course and need help to obtain your discharge, or if you have any questions, please contact the VC Law Group at (858) 519-7333 or email at info@thevclawgroup.com.