1.WHAT IS THE EFFECT OF A DEBTOR IN A CASE UNDER CHAPTER 7 AND
CHAPTER 13 FAILING TO COMPLETE AN INSTRUCTIONAL COURSE IN
PERSONAL FINANCIAL MANAGEMENT?


2. IF A CREDITOR HAS A SECURITY INTEREST IN A MOTOR VEHICLE WORTH $15,000.00 THAT SECURES A CLAIM OF $20,000.00, WHAT TYPE(S) OF CLAIM DOES THE CREDITOR HAVE?