In order for an individual to qualify for bankruptcy protection you must first complete Credit Counseling. Counseling can be completed on-line, over the phone, and in person. The counseling will take about 2 hours.
In order to for an agency to provide bankruptcy credit counseling, the agency must be a not for profit corporation and approved by the US Department of Justice. A list of approved agencies is available at
I, and most other attorneys, will provide clients with a referral to the agency that has provided a Quality service to my clients in the past.
With the internet the counseling is available nearly 24 hours a day so there should be a convenient time for you to complete the course.