You should get credit rating counseling from the federal government-authorized Group around 6 months before you file for just about any individual bankruptcy relief. You could find a point out-by-state checklist of government-authorised agencies with the U. By clicking “Settle for All Cookies”, you conform to the storing of cookies http://www.aroundhendrickscounty.com/california/irvine/finance/alleviate-financial-solutions