The Pennsylvania Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management — Post 2005 is an important document required for individuals who have filed for bankruptcy in Pennsylvania. This certification signifies that the debtor has successfully completed a course on personal financial management, as mandated by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAP CPA). Keywords: Pennsylvania Debtor's Certification, Completion of Instructional Course, Personal Financial Management, Post 2005, bankruptcy, Bankruptcy Abuse Prevention and Consumer Protection Act, BAP CPA. There are different types of Pennsylvania Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management — Post 2005, varying based on the specific requirements and circumstances of the individual debtor. 1. Chapter 7 Bankruptcy Certification: This certification is for debtors who have filed for Chapter 7 bankruptcy, also known as "liquidation bankruptcy." It confirms that the debtor has completed an approved instructional course on personal financial management after filing the bankruptcy petition. 2. Chapter 13 Bankruptcy Certification: This certification is meant for debtors who have filed for Chapter 13 bankruptcy, also known as "reorganization bankruptcy" or "repayment plan bankruptcy." It certifies that the debtor has successfully finished an approved course on personal financial management post-filing. 3. Individual Debtor Certification: This type of certification applies to individual debtors who have filed for bankruptcy, regardless of the specific chapter they have filed under. It ensures that the debtor has completed the required instructional course concerning personal financial management as part of their bankruptcy process. 4. Joint Debtor Certification: In cases where a married couple has filed for bankruptcy jointly, both spouses are required to complete the instructional course on personal financial management. The joint debtor certification confirms that both individuals have fulfilled this requirement. 5. Prior Certification Renewal: In certain situations, debtors who have previously filed for bankruptcy may need to renew their certification of completion of an instructional course concerning personal financial management. This renewal verifies that the debtor has undergone the necessary financial management education again post-2005, as their previous certification may have expired. It is essential for individuals filing for bankruptcy in Pennsylvania to understand the specific type of certification they need to obtain based on their bankruptcy chapter and circumstances.