Before your Chapter 7 bankruptcy discharge will be granted, you must complete a financial management course, and your bankruptcy attorney must file a certificate of completion for the course.
Section 727(11) of the Bankruptcy Code states the court shall grant the debtor a discharge, unless:
after filing the petition, the debtor failed to complete an instructional course concerning personal financial management described in section 111, except that this paragraph shall not apply with respect to a debtor who is a person described in section 109(h)(4) or who resides in a district for which the United States trustee (or the bankruptcy administrator, if any) determines that the approved instructional courses are not adequate to service the additional individuals who would otherwise be required to complete such instructional courses under this section (The United States trustee (or the bankruptcy administrator, if any) who makes a determination described in this paragraph shall review such determination not later than 1 year after the date of such determination, and not less frequently than annually thereafter.)
Typically, the court will issue a warning to remind you that the certificate of completion is late and needs to be filed right away. Don’t let this happen. Take the financial management course as soon as possible after your meeting of creditors (341 meeting) and get the certificate of completion to your attorney right away.