Financial Management


How to file:

Location of event: Bankruptcy > Notices & Certifications > Certification of Financial Management Course (Form 423)




USC 111, 727(a)(11); 1328(g)(1)

FRBP 1007(b)(7)


General Information

Note: If a permanent waiver of the Credit Counseling requirement is granted, this automatically waives the requirement to file a Certification of Financial Management Course.

See information on special requirements for deceased debtors



Filing Requirements

If the financial management course provider has filed the course certificate, the debtor does not have to file form B423. Otherwise:


Step-by-Step Instructions


Providers of Financial Management courses can file the course certificates using the eFinCert system, which does not require a login or password.


All other users should use the following instructions instead.



1. Log into CM/ECF


2. Select Bankruptcy > Notices & Certifications


3. Enter the case number (in the format xx-xxxxx) and click Next


4. Select Certification of Financial Management Course (Form 423) from the event list. Click Next


5. External Users Only: Check box if jointly filing with another attorney, click Next. If jointly filing, select additional attorneys, click Next


6. Select the party filer.  If the party is not listed, click on Add/Create New Party


Note: The "Attorney/Party Association” screen may appear. If your party selection was correct, check the box to create an association.


7. Browse to select the Certification (pdf file).  Click Next


8. If the course certificate is included in the PDF, check Yes, else check No. Click Next


9. Verify the final docket text; if correct, click Next to submit your document


Note: The Notice of Electronic Filing displays giving you the document number. Copies of this notice are immediately e-mailed to all participants who receive electronic notification in the case.



Curing Deficiencies

If the Financial Management certification is deficient, an amended Certification must be filed prior to the deficiency deadline using the instructions above, or the document may be stricken. The bankruptcy case may also be closed without issuance of the discharge.