In October of 2005, the bankruptcy code was changed to provide that people seeking the protection of the bankruptcy court must participate in a credit counseling briefing prior to filing their case. The pre-filing bankruptcy briefing takes about 45 minutes to complete and can be done in the comfort of your own home. The briefing can be done online or over the phone.
This answer does not create an attorney/client relationship and is for informational purposes only. We are a law firm licensed in Georgia. A consultation with a qualified attorney in your area is required to determine specific legal advice as to your situation and applicable law. We are a law firm designated by Congress as a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.