Firm Update No. 2023-08本所动态 2023-08 号
In re Chapter 7 Debtor, Case No. XXXX2905 (Bankr. E.D.N.Y.): Meeting the Counseling and Education Requirements Without Ability to Pay第7章债务人一案（纽约东区破产法院，案号XXXX2905）：无力付费时如何满足信用咨询及理财教育要求
- Practice领域
- Bankruptcy破产法
- Jurisdiction管辖
- U.S. Bankruptcy Court, E.D.N.Y.美国纽约东区破产法院
- Our role本所角色
- Counsel to the debtor债务人律师
- Status进展
- Discharge and final decree Nov. 29, 20232023年11月29日获得免除并结案
IFacts事实
An individual debtor with no meaningful income sought Chapter 7 relief in 2023. The statute requires two courses, one before filing and one before discharge, and both are offered by private approved providers that charge fees. The firm obtained a fee waiver from the approved provider, and the debtor completed the required course without cost. The case proceeded without objection.一名几乎没有收入的个人债务人于2023年申请第7章破产。法律要求债务人完成两门课程，一门在申请前，一门在免除前，均由收费的私营认可机构提供。本所为债务人向认可机构申请到费用减免，债务人免费完成了规定课程。案件进行中无人提出异议。
IIQuestion Presented争议问题
May a debtor who cannot afford the course fees satisfy the credit counseling and financial management requirements, and what follows if they are not met?无力支付课程费用的债务人，能否满足信用咨询及理财管理课程的要求？若未满足，后果如何？
IIIRelevant Law相关法律
11 U.S.C. §§ 109(h), 111(c)(2)(B), 727(a)(11): debtor eligibility; prepetition credit counseling; approved nonprofit agency; services without regard to ability to pay; financial management course11 U.S.C. §§ 109(h), 111(c)(2)(B), 727(a)(11)：债务人资格；申请前信用咨询；核准非营利机构；不论支付能力提供服务；理财管理课程
11 U.S.C. § 727(a): Chapter 7 discharge; grounds for denial of discharge11 U.S.C. § 727(a)：第7章免责；拒绝免责事由
11 U.S.C. § 341: meeting of creditors; first date set11 U.S.C. § 341：债权人会议；首次确定日期
Fed. R. Bankr. P. 4004: objection to discharge; 60-day deadline; certificate of course completion; entry of dischargeFed. R. Bankr. P. 4004：免责异议；60日期限；课程完成证明；免责裁定
In re Chalasani, 92 F.3d 1300 (2d Cir. 1996): denial of discharge; extreme remedy; strict construction against objector; liberal construction in favor of debtorIn re Chalasani, 92 F.3d 1300 (2d Cir. 1996)：拒绝免责；极端救济；对异议方严格解释；对债务人从宽解释
IVDisposition结果
The court entered the order discharging the debtor and the final decree on November 29, 2023, and the case was closed.法院于2023年11月29日裁定免除债务人债务并发出终结令，案件已结案。
Client details are withheld to protect confidentiality. Prior results do not guarantee a similar outcome.为保护客户隐私，相关信息已隐去。过往结果不保证类似案件的结果。