Have you completed financial management education?
With limited exceptions, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 requires people who have filed for bankruptcy protection to 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 debtor education. 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 debtor education.
For additional information about debtor education, the Federal Trade Commission has created a Facts for Consumers - Before You File For Personal Bankruptcy tips.