The Department of Justice’s U.S. Trustee Program approves organizations to provide the credit counseling and debtor education required for anyone filing for personal bankrutpcy. Individuals planning to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before filing. They must also complete a debtor education course before debts can be discharged. The federal bankruptcy code can be an option to either eliminate liability completely or restructure debt so it is actually manageable. The United States Congress has enacted Title 11 to help people experiencing severe financial difficulties.

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