Deficiency notice

[Deal635]

Hi there. So 5 days after we filed we find out a "notice of deficiency financial management class" was put against us. We had taken the first class before filing and had only filed 5 days before that notice. Has this happened to anyone else? Thanks!

[justbroke]

Did you file Pro Se? If so, call the Clerk's office and ask a "procedural" question. Ask them if your certificate was filed properly. There may be a "local" form that goes with it and this is why, if you're Pro Se, you should call the Clerk's office. They are your resource. Make sure you say that you're asking a "procedural" question regarding your case and the pre-filing credit counseling course.

Welcome to BKForum, Deal635

[despritfreya]

5 days after we filed we find out a "notice of deficiency financial management class" was put against us.

This notice pertains to the second class which is called a "financial management class".

Des.

[justbroke]

This notice pertains to the second class which is called a "financial management class".

I wondered if it was the second, but the OP wrote that they received a deficiency 5-days after filing. Which would be weird to have a deficiency, already, for the 2nd course?

[shipo]

I was required to complete both first and second classes before I filed.

[Deal635]

Thanks for getting back to me. I took the first class abt a month before I filed. I filed on 6/17 and on 6/22 the paralegal emailed me and said take your second class and I could see we had this filed against us. It even had the trustee copied on the email. I have asked what it was for but never got an answer. I just got an official letter today stating I had to take it to receive a discharge. I took the class the next day after getting the email from my lawyers office. It just seems weird to me. At the bottom of the email it referenced Synchrony Bank

[justbroke]

Maybe your attorney didn't file the B23 certificate of completion -- for the 2nd class. Follow up with the attorney's office (paralegal). The deficiency could be that the "certificate" was filed, but not there is no B23 certification or vice-versa. (The actual certificate is usually sent by the provider to the court.)

[despritfreya]

I wondered if it was the second, but the OP wrote that they received a deficiency 5-days after filing. Which would be weird to have a deficiency, already, for the 2nd course?

In Chapter 7 cases the Clerk in my district sends out the first deficiency notice about a week after the case is filed. Technically, I think the 2nd certificate is due after the 341 but, those Clerks just don't want folks to forget.

Des.

[justbroke]

In Chapter 7 cases the Clerk in my district sends out the first deficiency notice about a week after the case is filed. Technically, I think the 2nd certificate is due after the 341 but, those Clerks just don't want folks to forget.

I think that's not so bad. I suppose it helps the Clerk's office in dealing with case closings without a discharge due to the missing certificate, only to have to re-open to add the cert and issue the discharge.

I think that's a very nice service (the "reminder" deficiency).