Read Before You File
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people who plan to file for bankruptcy protection must receive credit counseling from a government approved organization within six months before they file. They also must complete a debtor education course to have their debts discharged. The Department of Justice's U.S. Trustee Program approves organizations who can provide the mandatory credit counseling and debtor education. Please click on this link Credit Counseling Services to access a list of approved credit counselors for the Northern District of Texas.