If You Are Facing Bankruptcy:
Recent Federal law requires mandatory credit counseling before you can declare bankruptcy. Go to: http://www.consumer.ftc.gov/articles/0224-filing-bankruptcy-what-know for help and information about Credit Counseling.
The U.S. Department of Justice Trustee Program approves organizations to provide mandatory counseling before you can declare bankruptcy and mandatory debtor education after you declare bankruptcy. Go to: http://www.justice.gov/ust/eo/bapcpa/ccde/ to find an approved organization near you.