You will have to get "credit counseling"
Before you can file a Bankruptcy, you have to get a Credit Counseling Certificate. Our office has made arrangements with an approved provider who can meet the requirement in a phone conference with you in 45 minutes or so. This involves a discussion of your financial situation and kind of makes certain you understand that.
Before the final Court Order of Discharge, which erases you bills, the Code requires another conference with GreenPath on the phone, or another Credit Counselor. The second course is another phone conference except that if you are in Chapter 13 the Trustee will provide that on the date of your meeting with him. (Creditor's Meeting or 341)
CHAPTER 7 also requires Credit Counseling and then Debtor Financial Management before final orders in the Bankruptcy Case. Our office has made arrangements for you to handle this by phone or on the internet.