Do I need to do credit counseling before filing for bankruptcy?
Yes. Credit counseling is a new requirement of the bankruptcy code. It was established in 2005 under the new reform act. It must be done before the bankruptcy is filed or else the case is going to be dismissed. It's very easy to do. It only takes about $20-$25. It can be done online or over the phone. There's a second course called debt education is done after the filing of the case.