Philadelphia Pennsylvania Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management — Post 2005 is a document that verifies an individual's successful completion of a personal financial management course. This certification is required for individuals filing for bankruptcy in Philadelphia, Pennsylvania, after 2005. The course aims to educate debtors on essential financial concepts, teach them how to effectively manage their personal finances, and provide them with the necessary skills to make informed financial decisions. It covers various topics, including budgeting, credit management, debt repayment strategies, and strategies for avoiding future financial difficulties. There are several types of Philadelphia Pennsylvania Debtor's Certification of Completion of Instructional Course Concerning Personal Financial Management — Post 2005, each tailored to specific bankruptcy filing situations. These variations serve specific purposes, ensuring that debtors meet the required standards for bankruptcy proceedings. 1. Individual Debtor's Certification: This type of certification is issued to individual debtors who complete the instructional course independently. 2. Joint Debtor's Certification: When filing for bankruptcy jointly, spouses or partners can complete the instructional course together and receive a joint debtor's certification, which demonstrates their joint completion of the course. 3. Online Course Certification: For convenience and accessibility, debtors have the option to complete the instructional course online. The online course certification verifies successful completion of the course through a virtual platform. 4. In-Person Course Certification: Some debtors prefer or may be required to attend an in-person instructional course. In this case, the in-person course certification is issued upon successful completion of the course. These certifications of completion are specific to Philadelphia, Pennsylvania, and follow the guidelines and requirements established by the United States Bankruptcy Court for the Eastern District of Pennsylvania. Debtors must present the appropriate certification to their bankruptcy attorney or the court as a proof of compliance with the personal financial management course requirement.