Hillsborough Florida Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management — Post 2005 is a legal document that confirms an individual's successful completion of a course related to personal financial management. It is required for individuals filing for bankruptcy in Hillsborough County, Florida, following the implementation of the Bankruptcy Abuse Prevention and Consumer Protection Act (BAP CPA) in 2005. The purpose of this certification is to ensure that debtors receive the necessary education and guidance to improve their financial literacy and make informed decisions about managing their personal finances in the future. This course covers various aspects of personal finance, including budgeting, debt management, credit counseling, savings, and basic financial planning. Understanding the importance of financial management, Hillsborough County offers several types of debtor's certifications to cater to different situations and requirements. These may include: 1. Individual Debtor's Certification: This certification is for individual debtors who are filing for bankruptcy and need to fulfill the requirement of completing a personal financial management course. It is applicable to those who are not married or filing jointly with a spouse. 2. Joint Debtor's Certification: For married couples filing for bankruptcy jointly, a joint debtor's certification is required. This certification confirms that both individuals have successfully completed the instructional course concerning personal financial management. 3. Online Course Option: Hillsborough County may offer the flexibility of completing the instructional course online, allowing debtors to access the necessary educational materials and quizzes from the comfort of their own homes. The online course option provides convenience and accessibility, particularly for those with time limitations or transportation difficulties. 4. In-person Course Option: Some debtors may prefer or be required to attend an in-person instructional course concerning personal financial management. This option allows individuals to interact directly with financial instructors and gain valuable insights through real-time discussions and activities. As part of the certification process, debtors must provide proof of completion to their bankruptcy attorney or to the bankruptcy court. The certificate must include the debtor's name, the name and signature of the course provider, the course completion date, and any relevant course identification numbers. By offering this debtor's certifications, Hillsborough County aims to assist individuals in overcoming financial challenges, promoting responsible financial behavior, and ultimately improving the overall economic well-being of its residents.