It matters far less when you file the certificate than it does when you earned the certificate. For your bankruptcy to be valid, you need to have earned the certificate BEFORE you filed your Chapter 13 case. If you failed to do this, it is up to you to apply to the court for a waiver. The bankruptcy court is not responsible for teaching you how to properly represent yourself.
Answered on Sep 05th, 2017 at 11:41 AM