In a Chapter 13, Credit Counseling and Financial Management Classes

In a Chapter 13, credit counseling and financial management classes aren't required.

A) True, because the debtor has reorganized his/her debt and thus, is automatically learning about debt management.
B) False. A Chapter 13 requires both credit counseling and financial management.
C) Financial management courses are only required if the debtor is involved in a thirty-six-month plan unless waived by the court.
D) Credit counseling is required, but not financial management because the debtor is presumed to have learned about budgeting by then.