Have you completed credit counseling?
With limited exceptions, 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 180 days before they file. They also must complete a personal financial management/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. Only the counselors and educators that appear on the U.S. Trustee Program's list can advertise that they are, indeed, approved to provide the required counseling.
For additional information about counseling and debtor education, the Federal Trade Commission has created a Facts for Consumers - Before You File For Personal Bankruptcy tips.