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      Page of   The New Bankruptcy Law Here are some of the major changes you should know about Now that the new bankruptcy law is in effect the landscape has changed for those who are considering bankruptcy All debtors will have to get credit counseling before they can file a bankruptcy case and additional counseling on budgeting and debt management before their debts can be wiped out Some filers with higher incomes won't be allowed to use Chapter but will instead have to repay at least some of their debt under Chapter And because the law imposes new requirements on lawyers it will be tougher to find an attorney to represent you in a bankruptcy case Here are some of the most important changes Counseling Requirements Before you can file for bankruptcy under either Chapter or Chapter you must complete credit counseling with an agency approved by the United States Trustee's office The purpose of this counseling is to give you an idea of whether you really need to file for bankruptcy or whether an informal repayment plan would get you back on your economic feet Counseling is required even if it's obvious that a repayment plan isn't



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