Under the new bankruptcy code, debtors are required to complete pre-filing credit counseling with an approved agency before he or she can file for bankruptcy. This may be accomplished with a simple phone or internet consultation that lasts less than an hour and can be completed at our office. The cost is $30 – $50 and some debtors may qualify to have this fee waived based on their income. It is also required that debtors complete a personal financial management course with an approved credit counseling agency before being eligible to receive a discharge from a Chapter 7 or Chapter 13. Again, this is a straightforward process that can be completed easily for an additional cost of $30 – $50 for one person or $50 – $60 for two.