Credit Counseling and Debtor Education
Credit Counseling and Debtor Education is required by recent changes to bankruptcy law. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 provided that with limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.
Only Credit Counseling and Debtor Education Agencies on an approved list published by the Department of Justice can be used. See explanation on the Department of Justice website.