The Arizona Debtor Certificate of Financial Management Course is an educational program that helps individuals who are experiencing financial distress. The program provides information and guidance on budgeting, debt management, and consumer protection. The course is broken down into three sections: 1. Budgeting and Credit: This section will help individuals understand their financial situation and how to create a budget plan. It covers topics such as understanding credit, how to use credit responsibly, and how to read credit reports. 2. Debt Management: This section will help individuals understand how to handle debt, including debt consolidation, credit counseling, and debt relief programs. 3. Consumer Protection: This section covers important topics such as avoiding scams, debt collection, and how to dispute errors on credit reports. The Arizona Debtor Certificate of Financial Management Course is offered online and in person. It is open to all Arizona residents. Upon successful completion of the course, participants will receive a certificate of completion.