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Bankruptcy Code effective October 17, 2005 that prior to filing a bankruptcy case, an individual must obtain some consumer credit counseling from an entity approved by the U.S. Trustee within 180 days of the date of filing a bankruptcy case. To find an approved agency you can visit the Trustee’s website at www.usdoj.gov/ust and click on “Credit Counseling and Debtor Education. These agencies are allowed to charge a fee for their services, but they must provide counseling for free or reduced rates if you cannot afford to pay. After you have filed your bankruptcy and your lawyer receives a case number for you it is also necessary that you take a Debtor Education class 45 days from the date your case number is received...
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