LATE FILING OF COUNSELING CERTIFICATE

February 12, 2024

[INSERT YOUR NAME]

[INSERT YOUR ADDRESS]

[INSERT CITY, STATE, ZIP]

[INSERT DATE]

[INSERT BANKRUPTCY COURT NAME]

[INSERT BANKRUPTCY COURT ADDRESS]

[INSERT CITY, STATE, ZIP]

 

RE:     LATE FILING OF COUNSELING CERTIFICATE.

 

CASE NAME: [INSERT YOUR NAME], DEBTOR CASE NUMBER: [INSERT CASE NUMBER]

Honorable [Judge’s Name],

I am writing in response to the Notice to Cure regarding the late filing of my counseling certificate in the above-mentioned bankruptcy case. I regret the delay in submitting the certificate and would like to provide a detailed explanation for the circumstances leading to this oversight.

On June 26, 2023, I filed for bankruptcy and promptly completed the required counseling class on the same day. According to the bankruptcy regulations, I was aware that I had three days to file the counseling certificate with the court. Unfortunately, on June 29, 2023, I received the Notice to Cure, notifying me of the missing certificate.

Upon checking my mail on June 29, 2023, I discovered the Notice to Cure at approximately 3:00 pm. Realizing the urgency of the situation, I immediately made arrangements to obtain the counseling certificate and deliver it to the court. Regrettably, the counseling center where I completed the course closed at 4:00 pm, leaving me with insufficient time to obtain the certificate and file it with the court before the deadline.

I deeply apologize for the oversight and any inconvenience caused to the court. I fully understand the importance of timely compliance with all requirements of the bankruptcy process and acknowledge my responsibility in this matter. It was never my intention to disregard the court’s instructions or to delay the progress of the case.

In light of the circumstances presented, I kindly request the court’s understanding and consideration. I assure you that this incident is an exception and that I am fully committed to diligently complying with all future obligations pertaining to this bankruptcy case.

In an effort to rectify this situation, I have since obtained the counseling certificate and attached it to this response for your review. I kindly request that the court accept this certificate as proof of compliance with the counseling requirement.

Thank you for your attention to this matter. I sincerely apologize for any inconvenience caused and remain at your disposal for any further instructions or information that the court may require.

Once again, I sincerely apologize for any inconvenience caused by the late filing, and I assure you that I will be diligent in fulfilling all other obligations and requirements pertaining to my bankruptcy case.

Yours sincerely,

[INSERT YOUR NAME].

 

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