10/28/19 3:36PM

Fill in this information to identify your case:

Debtor 1 Ana T Gonzalez de Riancho

First Name Middle Name Last Name

Debtor 2

(Spouse if, filing) First Name Middle Name Last Name

United States Bankruptcy Court for the: SOUTHERN DISTRICT OF FLORIDA

Case number 19-21551

(if known)

Official Form 423

Certification About a Financial Management Course 12/15

If you are an individual, you must take an approved course about personal financial management if:

x you filed for bankruptcy under chapter 7 or 13, or

x you filed for bankruptcy under chapter 11 and § 1141 (d)(3) does not apply.

In a joint case, each debtor must take the course. 11 U.S.C. §§ 727(a)(11) and 1328(g).

After you finish the course, the provider will give you a certificate. The provider may notify the court that you have completed the course. If

the provider does notify the court, you need not file this form. If the provider does not notify the court, then Debtor 1 and Debtor 2 must each

file this form with the certificate number before your debts will be discharged.

x If you filed under chapter 7 and you need to file this form, file it within 60 days after the first date set for the meeting of creditors under § 341 of the

Bankruptcy Code.

x If you filed under chapter 11 or 13 and you need to file this form, file it before you make the last payment that your plan requires or before you file a

motion for a discharge under § 1141(d)(5)(B) or § 1328(b) of the Bankruptcy Code. Fed. R. Bankr. P. 1007(c).

In some cases, the court can waive the requirement to take the financial management course. To have the requirement waived, you must file

a motion with the court and obtain a court order.

Part 1: Tell the Court About the Required Course.

You must check one:

 I completed an approved course in personal financial management:

Date I took the course 8/30/2019

Name of approved provider SolidStart Financial Education Services, LLC.

Certificate Number 12433-FLS-DE-033329718

 I am not required to complete a course in personal financial management because the court has granted my

motion for a waiver of the requirement based on (check one):

 Incapacity. I have a mental illness or a mental deficiency that makes me incapable of realizing or making rational decisions about

finances.

 Disability. My physical disability causes me to be unable to complete a course in personal financial management in person, by

phone, or through the internet, even after I reasonably tried to do so.

 Active duty. I am currently on active military duty in a military combat zone.

 Residence. I live in a district in which the United States trustee (or bankruptcy administrator) has determined that the approved

instructional courses cannot adequately meet my needs.

Part 2: Sign Here

I certify that the information I have provided is true and correct.

/s/ Ana T Gonzalez de Riancho Ana T Gonzalez de Riancho Date October 28, 2019

Signature of debtor named on certificate Printed name of debtor

Official Form 423 Certification About a Financial Management Course

Software Copyright (c) 1996-2019 Best Case, LLC - www.bestcase.com Best Case Bankruptcy

Case 19-21551-LMI Doc 16 Filed 10/28/19 Page 1 of 2
Certificate Number: 12433-FLS-DE-033329718

Bankruptcy Case Number: 19-21551

12433-FLS-DE-033329718

CERTIFICATE OF DEBTOR EDUCATION

I CERTIFY that on August 30, 2019, at 5:13 o'clock PM EDT, Ana T. Gonzalez

De Riancho completed a course on personal financial management given by

internet by Solid Start Financial Education Services, LLC, a provider approved

pursuant to 11 U.S.C. 111 to provide an instructional course concerning personal

financial management in the Southern District of Florida.

Date: August 30, 2019 By: /s/Candace Jones

Name: Candace Jones

Title: Counselor

Case 19-21551-LMI Doc 16 Filed 10/28/19 Page 2 of 2