TWO COURSES AND NO DESSERT Bankruptcy Credit Counseling Rules Can Be Way Too Danged Confusing! Photo credit: Man Dy, Pexels.com A consumer bankruptcy filing involves a flood of forms, papers and procedures. To the uninitiated, it can be difficult to understand why each of these components is important, or if they have an actual purpose. After filing a bankruptcy case your mailbox will have fewer bills, but you’ll instead get notices about hearings and meetings, objections to one thing, and notice of requirements to do another thing. Some of these items are from lawyers – either yours or someone else’s – and others could be from the Trustee or Clerk of the Bankruptcy Court. The Bankruptcy Court Clerk will probably send you something called a “NOTICE OF REQUIRMENT TO FILE A CERTIFICATION ABOUT A PERSONAL FINANCIAL MANAGEMENT COURSE (Official Form 423).” That sounds an awful lot like the “credit counseling” that you did before you filed your bankruptcy case. You coul