Before filing for bankruptcy, The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires debtors to complete credit counseling from a government approved organization within 180 days before filing. Debtors must also complete a debtor education course before the discharge of the bankruptcy. Click the link below for more information on credit counseling:

http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre41.shtm