Tennessee DEBTOR'S CERTIFICATION of COMPLETION OF INSTRUCTIONAL COURSE CONCERNING PERSONAL FINANCIAL MANAGEMENT is a document issued by the Tennessee Department of Financial Institutions that certifies that a debtor has completed a personal financial management course. This certificate is required for anyone filing for Tennessee bankruptcy. The course is designed to help debtors better understand and manage their finances. The Tennessee DEBTOR'S CERTIFICATION of COMPLETION OF INSTRUCTIONAL COURSE CONCERNING PERSONAL FINANCIAL MANAGEMENT is issued in two forms: an online course and an in-person course. The online course is an online tutorial with interactive quizzes that must be completed in order to receive the certificate of completion. The in-person course is conducted by a licensed Tennessee instructor, and the certificate of completion is given after the course has been completed. The Tennessee DEBTOR'S CERTIFICATION of COMPLETION OF INSTRUCTIONAL COURSE CONCERNING PERSONAL FINANCIAL MANAGEMENT provides a certificate of completion that must be submitted with the bankruptcy filing. The certificate is proof that the debtor has taken the course and understands the implications of filing for bankruptcy. The certificate is also important because it can help to reduce the debtor's debt-to-income-ratio. In summary, Tennessee DEBTOR'S CERTIFICATION of COMPLETION OF INSTRUCTIONAL COURSE CONCERNING PERSONAL FINANCIAL MANAGEMENT is a document issued by the Tennessee Department of Financial Institutions that certifies that a debtor has completed a personal financial management course. This certificate is required for anyone filing for Tennessee bankruptcy, and is available in both an online course and an in-person course. The certificate is proof that the debtor has taken the course and understands the implications of filing for bankruptcy, and can help to reduce the debtor's debt-to-income-ratio.