INTRODUCTION About Us History Bankruptcy Basics Chapter 7 Stats Chapter 13 THE BANKRUPTCY LAW Key Changes What Should I Do? How It Affects Me?   NEW REQUIREMENTS Steps Means Test Credit Counseling Debtor Education QUESTIONS Long Term Effects Who Should I Use? My Options What is the Cost? RESOURCES Credit Counseling Debtor Education Financial Tools Glossary	RESOURCES Approved Credit Counseling Agencies The approved credit counseling agencies have been announced by the U.S. Trustee's Office.  Find out who is approved in your state here.  Find out what you need to know before choosing a credit counseling agency here.