National Standards: Out-of-Pocket Health Care Expenses. Compare U.S. trustee. Do this by looking at which court has decided the case -- either the U.S. Supreme Court, a court of appeal (listed here in large type), or a district court (listed in small type). N.C. ) 2008-02-19, #15087739922755041567, In re Musselman (Musselman v. eCast Settlement Corp.), In re Musselman (Musselman v. eCast Settlement Corp.), LegalResearch: How to Find and Understand the Law, Nolo -- using case law to understand a statute, US Court System: -- this one has a great chart, and would be good to link to as a "for more information" link, Means Test Expense Allowances for your county, The U.S. Courts website also offers information about filing without an attorney, Filing for Bankruptcy Without an Attorney, ree, downloadable copies of the federal forms, Chapter 13: Keep Your Property and Repay Your Debts Over Time, must provide credit counseling services without regard to a clients ability to pay, Department of Justice offersInformation about creditors meetings, Commonwealth of the Northern Mariana Islands, This just got easier as of December 1, 2022, 3. Also, if you've moved in the past six months (180 days), you may have to file in the federal district court where you used to live. For example, it is often quite simple for a landlord to get a stay lifted to proceed with an eviction. [, Retention and Compensation of Professionals in Bankruptcy. We mostly hear about big businesses filing for Chapter 11, but small businesses or even individuals can use it, too. The trustee would force the sale of the car, you would get your exemption amount, and the trustee would get the rest of the proceeds to distribute to the unsecured creditors. Schedules of Actual Administrative Expenses of Administering a Chapter 13 Plan (as Required by 11 U.S.C. endstream endobj 44 0 obj <>stream GoogleSearch LegalConsumer content. Expense information for use in bankruptcy calculations can be found on the website for the U.S. In addition, IRS Local Standards also include transportation standards. Taxpayers and their dependents are allowed the standard amount on a per person basis, without questioning the amount actually spent. If you sell your exempt property voluntarily, the creditor has a right to have its lien paid from the sale proceeds before you receive anything. The average monthly income received by the debtor over the six calendar months before commencement of the bankruptcy case, including regular contributions to household expenses from nondebtors and income from the debtor's spouse if the petition is a joint petition, but not including social security income and certain other payments made because the debtor is the victim of certain crimes. Two issues are tracked in the database. A single taxpayer is normally allowed one automobile. You can usually take a class online or over the phone. What are the different kinds of bankruptcy? The ownership costs provide maximum allowances for the lease or purchase of up to two automobiles if allowed as a necessary expense. 668 , (Bankr.D.Vt. ) One important thing to remember is that an exemption protects only the "equity" in your property. The housing and utilities standards are derived from U.S. Census Bureau, American Community Survey and Bureau of Labor Statistics data, and are provided by state down to the county level. For more information about finding a qualified bankruptcy lawyer near you, see the Lawyers section of this website. Disclaimer: IRS Collection Financial Standards are intended for use in calculating repayment of delinquent taxes. This database is updated as time permits. The tables include five categories for one, two, three, four, and five or more persons in a household. Many critics of federal bankruptcy law see the credit counseling requirement as a bureaucratic obstacle for already-desperate debtors. (There is an official form a debtor must use.). When you show up for your hearing, you will find that many other people have hearings set for the same day. But, seriously, they make valuable points worth reading as you decide what to do. hb``d``c```8 $533 $1,066 . There is a single nationwide allowance for public transportation based on BLS expenditure data for mass transit fares for a train, bus, taxi, ferry, etc. Vehicle operation expense: Using the IRS Local Standards and the number of vehicles for which you claim the operating expenses, fill in the Operating Costs that apply for your Census region or metropolitan statistical area. A chapter 7 case where there are no assets available to satisfy any portion of the creditors' unsecured claims. Chapter 15 is for people or organizations that have debts and property in the United States and another country. Any relative of the debtor or of a general partner of the debtor; partnership in which the debtor is a general partner; general partner of the debtor; or a corporation of which the debtor is a director, officer, or person in control. IRS Local Transportation Expense Standards - South Census Region (Cases Filed Between November 1, 2019 and March 31, 2020, Inclusive) For Use with Allowable Transportation Expenses Table The Operating Costs and Public Transportation Costs sections of the Transportation Standards are provided When you file for bankruptcy, all your property becomes part of the "bankruptcy estate." I catalog interesting ones when I have time. For each automobile, taxpayers will be allowed the lesser of: There is a single nationwide allowance for public transportation based on Bureau of Labor Statistics expenditure data for mass transit fares for a train, bus, taxi, ferry, etc. A single taxpayer is normally allowed one automobile. 0. Housing and Utilities and Transportation. ALL MAIL MUST BE SENT TO THE ORANGE COUNTY OFFICE. To determine the operating expense limit applicable to your client, the IRS has broken the country into four regions (Northeast, Midwest, South, and West), and defined operating expense caps for those regions. 3. 2007-08-07, #10612404352383004910, 394 B.R. Certain property owned by an individual debtor that the Bankruptcy Code or applicable state law permits the debtor to keep from unsecured creditors. You'll see fairly few Supreme Court case here, but those cases are also binding on all districts.". The automatic stay is a powerful tool that can provide much-needed relief to someone struggling with overwhelming debt. Please note that the standards change, so if you elect to print them, check back periodically to assure you have the latest version. So, even if you find a case just like yours where a judge went your way, as they say in the car biz, "your mileage may vary". The document filed by the debtor (in a voluntary case) or by creditors (in an involuntary case) by which opens the bankruptcy case. (There are official forms a debtor must use.). Generally, the total number of persons allowed for necessary living expenses should be the same as those allowed as dependents on the taxpayer's most recent year income tax return. This is a start for your research. Disclaimer: IRS Collection Financial Standards are intended for use in calculating repayment of delinquent taxes. H.R. Out-of-Pocket Health Care standards have been established for out-of-pocket health care expenses including medical services, prescription drugs, and medical supplies (e.g. Collection Financial Standards for Food, Clothing and Other Items Bankruptcy Allowable Living Expenses - National Standards (See 11 U.S.C. Trustees in chapter 12 and 13 have similar duties to a chapter 7 trustee and the additional responsibilities of overseeing the debtor's plan, receiving payments from debtors, and disbursing plan payments to creditors. If the IRS determines that the facts and circumstances of a taxpayers situation indicate that using the standards is inadequate to provide for basic living expenses, we may allow for actual expenses. Secured debt vs. unsecured debt: What's the difference? FN#Dmk}DMCI7 Page Last Reviewed or Updated: 25-Apr-2022, Request for Taxpayer Identification Number (TIN) and Certification, Employers engaged in a trade or business who pay compensation, Electronic Federal Tax Payment System (EFTPS), Treasury Inspector General for Tax Administration, the monthly payment on the lease or car loan, or. 11 U.S.C. Compare, bankruptcy administrator. Whether or not you file for bankruptcy, unsecured creditors cannot seize your exempt property to pay off your debt. Allowable living expenses include those expenses that are necessary to provide for a taxpayer's (and his or her family's) health and welfare and/or production of income. based on the region the taxpayer resides in. These Standards are effective onApril 25, 2022 for purposes of federal tax administration only. A person or business that files a formal complaint with the court. Secure .gov websites use HTTPS This type of property is called exempt property, and many Chapter 7 filers find that exemptions cover most of what they own. (If your financial situation is simple, but you just don't want to deal with the forms, you might consider using a bankruptcy petition preparer to handle the form preparation.). The standard for a particular county and family size includes both housing and utilities allowed for a taxpayers primary place of residence. New York Southern District Bankruptcy Court Info, Type A = Debtor entitled to operation expense, even if actual expense is less, Type B = One debtor can own two vehicles. $217 . Go to line 12. The operating costs include maintenance, repairs, insurance, fuel, registrations, licenses, inspections, parking and tolls (These standard amounts do not include personal property taxes). The IRS uses the forms AND ITS OWN STANDARDS to determine "allowable "reasonable and necessary" household living expenses and how much remaining "cash flow" is available monthly to make installment payments (if any). In cases where taxpayers cannot full pay and do not meet the criteria for a streamlined agreement, they may still qualify for the six-year rule. Examples include a home mortgage, debts for alimony or child support, certain taxes, debts for most government funded or guaranteed educational loans or benefit overpayments, debts arising from death or personal injury caused by driving while intoxicated or under the influence of drugs, and debts for restitution or a criminal fine included in a sentence on the debtor's conviction of a crime. Expense information for use in bankruptcy calculations can be found on the website for the U.S. It is used to resolve legal disputes arising within a bankruptcy case context. See How Chapter 7 Bankruptcy Works or How Chapter 13 Bankruptcy Works. Secured debt vs. unsecured debt: What's the difference? These Standards are effective onApril 25, 2022 for purposes of federal tax administration only. Local Standards: Transportation: vehicle operation expense 4 Cases , IssueID 12: Ch 7 Means Test Form 22A, Line 22A: Ch 13 Means Test Form 22C Line 27A: Topic Description: Two issues are tracked in the database. National Standards for food, clothing and other items apply nationwide. Most court websites post schedules of 341 hearings, and when you file, you will be notified of your hearing date. Attend a trial: If the case is not resolved through settlement or other means, it may go to trial. The tables include five categories for one, two, three, four, and five or more persons in a household. Lz@\C S_,B#B brsk# The taxpayer is allowed the standard amount, or the amount actually spent on housing and utilities, whichever is less. Debt backed by a mortgage, pledge of collateral, or other lien; debt for which the creditor has the right to pursue specific pledged property upon default. The out-of-pocket health care standard amount is allowed in addition to the amount taxpayers pay for health insurance. ]yWfWf&*W/sp42 The discharge also prohibits creditors from communicating with the debtor regarding the debt, including telephone calls, letters, and personal contact.). National Standards for food, clothing and other items apply nationwide. A conversion chart has been provided with the standards that lists the states that comprise each Census Region, as well as the counties and cities included in each MSA. IyjYToxT{>?_;C92_K)c6UQ^{R{C']-#_hxDt3y'H=q5?:R'p\|f'yz)^R! These Standards are effective on April 25, 2022 for purposes of federal tax administration only. Taxpayers are allowed the total National Standards amount for their family size, without questioning the amount actually spent. means test . Local Standards: Housing and Utilities AND Mortgage/Rent Expense Whether debtors are entitled to the full household expense allowance even if their actual expenses are less. The necessary expense test is defined as expenses that are necessary to provide for a taxpayer's (and his or her family's) health and welfare and/or production of income. Housing and Utilities standards include mortgage or rent, property taxes, interest, insurance, maintenance, repairs, gas, electric, water, heating oil, garbage collection, telephone, cell phone, internet, and cable. The table for health care allowances is based on Medical Expenditure Panel Survey data and uses an average amount per person for taxpayers and their dependents under 65 and those individuals that are 65 and older. Download the housing and utilities standards PDF in PDF format for printing. These Standards are effective on April 25, 2022 for purposes of federal tax administration only. Allowable living expenses include those expenses that meet the necessary expense test. Most bankruptcies filed in the U.S. are Chapter 7 bankruptcies. You're not legally required to use a lawyer to file for bankruptcy. I update this when I have time. The debtor may rebut a presumption of abuse only by a showing of special circumstances that justify additional expenses or adjustments of current monthly income. (Assuming no conflicts of interest, these separate businesses or individuals can pool their resources, hire the same professionals, etc.). eyeglasses, contact lenses, etc.). R. Bankr. For example, in 2015, for a two person household in Los Angeles County, the allowable standard is $2,270. queen's health science supplementary application 2021 DE 2501 Rev. Most people file for bankruptcy in the federal district court closest to where they live. The creditor can take back the collateral if you don't repay the debt. If you owe only unsecured debtlike credit card charges or medical billsyou may be able to file for bankruptcy on your own. A business not authorized to practice law that prepares bankruptcy petitions. For the 2017 version ALE, Boston and Cleveland used their regional car operating expense allowance because the BLS did not publish the needed CES raw data for those two MSAs. A written statement and verifying documentation filed by a creditor that describes the reason the debtor owes the creditor money. Putting the assets and liabilities of two or more related debtors into a single pool to pay creditors. A trustee's or creditor's objection to the debtor being released from personal liability for certain dischargeable debts. Also called creditors' meeting. Wherever you're required to file, know that you can handle most of your business with the court, including filing your bankruptcy forms, by mail. M.D. Additional information and the standard amounts are available on our Out-of-Pocket Health Care Standards web page. Empowering Consumers Since 2006! Means Test > Expenses > IRS Allowances > Vehicles > Operation & Maintenance. National Standardshave been established for five necessary expenses: food, housekeeping supplies, apparel and services, personal care products and services, and miscellaneous. Lots of people have opinions on the topic of whether you should get a lawyer. 707(b)(2)(A)(ii)(III)). Under Chapter 13, an individual repays some or all of their debts under a payment plan approved by the bankruptcy court. (If a contract or lease is executory, a debtor may assume it or reject it.). Adjust IRS standard deduction information in Form 122 The auto-populated IRS deductions are derived from the IRS tables based on the debtor's income and what you've entered in preparing Form 122. IRS web site collection standards 2/1/18 Trustee Program. However, taxpayers must provide documentation that supports a determination that using national and local expense standards leaves them an inadequate means of providing for basic living expenses. 2769: No IRS Conferences (Passed House 7/31) Highlighted in episode CD038: Wasting July H.R. This information may also be available at the bankruptcy clerk's office. National Standards: Food Clothing & Other Items. For more details and to find your local court, see our articles on Find Your Local Bankruptcy Court. Do I have to get credit counseling before I file for bankruptcy? Your use of this website constitutes acceptance of the Terms of Use, Privacy Policy and Cookie Policy. 2. Disclaimer: IRS Collection Financial Standards are intended for use in calculating repayment of delinquent taxes. Even if the creditor goes to court, wins a court judgment against you, and takes steps to attach a lien to your property, you are still entitled to your exemption amount before the creditor gets any proceeds from a sale. (Courts are reluctant to allow substantive consolidation since the action must not only justify the benefit that one set of creditors receives, but also the harm that other creditors suffer as a result.). The ownership costs, shown in the table below, provide the monthly allowances for the lease or purchase of up to two automobiles. (The estate includes all property in which the debtor has an interest, even if it is owned or held by another person.). Generally, the total number of persons allowed for determining family size should be the same as those allowed as exemptions on the taxpayer's most recent year income tax return. A creditor's assertion of a right to payment from the debtor or the debtor's property. 101(10A). You can check a box to indicate that no assets will be left to distribute to unsecured creditors once you're done claiming your state's exemption laws. Common reasons include allegations that the debt to be discharged was incurred by false pretenses or that debt arose because of the debtor's fraud while acting as a fiduciary. These Standards are effective onApril 25, 2022 for purposes of federal tax administration only. You may also download the standardsPDF in PDF format for printing. In most cases, the taxpayer is allowed the amount actually spent, or the local standard, whichever is less. Maximum allowances for housing and utilities and transportation, known as the Local Standards, vary by location. ), The chapter of the Bankruptcy Code providing for "liquidation,"(i.e., the sale of a debtor's nonexempt property and the distribution of the proceeds to creditors.). YV0OC21B`:t.MsgxB1>fD/B-tnY4yxv_y7qNRt V"]mM{%$OwVOmr[}# A& The six-year rule allows for payment of living expenses that exceed the Collection Financial Standards, and allows for other expenses, such as minimum payments on student loans or credit cards, as long as the tax liability, including penalty and interest, can be full paid in six years. Chapter 7 lets individuals wipe out (discharge) most kinds of debt in just a few months. Whether you're a good candidate for handling your own bankruptcy depends on the complexity of your financial situation and your willingness to take the time to learn the rules of bankruptcy. Your income is below your states median income for your family size, or, Your income and expenses, calculated together, leave you unable to pay your debts. (example "child custody Ann Arbor, MI") Bankruptcy FAQ What are the different kinds of bankruptcy? Do I qualify for bankruptcy? 1. The survey collects information from the Nation's households and families on their buying habits (expenditures), income and household characteristics. Secured debt. One bankruptcy petition filed by a husband and wife together. Please note that the standard amounts change, so if you elect to print them, check back periodically to assure you have the latest version. A claim for which a specific value has not been determined. This is free. One to whom the debtor owes money or who claims to be owed money by the debtor. Form 122A-2 is the form certain chapter 7 debtors will complete and the multiplier is entered on Line 36; Form 122C-2 is the form certain chapter 13 debtors will complete and the multiplier is entered on Line 36. Please be advised that the housing and utilities document is 108 printed pages. 50 0 obj <>/Filter/FlateDecode/ID[]/Index[39 20]/Info 38 0 R/Length 73/Prev 93975/Root 40 0 R/Size 59/Type/XRef/W[1 3 1]>>stream Section 707(b)(2) of the Bankruptcy Code applies a "means test" to determine whether an individual debtor's chapter 7 filing is presumed to be an abuse of the Bankruptcy Code requiring dismissal or conversion of the case (generally to chapter 13). Median Family Income Based on State/Territory and Family Size, 1. A creditor's claim for a fixed amount of money. Serve the complaint: You must serve a copy of the complaint on all parties involved in the dispute. Taxpayers with no vehicle are allowed the standard, per household, without questioning the amount actually spent. However, you can make adjustments to these amounts, as needed. %%EOF What is a 341 hearing (creditors meeting)? (example "child custody Ann Arbor, MI") Legal Consumer.com / bankruptcy . Just because you have an expense does not mean the IRS will allow it. However, the expenses allowed would be actual expenses incurred for ownership costs, operating costs and public transportation, or the standard amounts, whichever is less. The bankruptcy trustee has control of your "bankruptcy estate property" while your case is going on. Chapter 12 has a higher debt threshold and more options to protect property than Chapter 13. Collection Financial Standards are used to help determine a taxpayer's ability to pay a delinquent tax liability. Copyright 2006-2023 RelationalVision Database Solutions, LLC dba LegalConsumer.com Self-help services may not be permitted in all states. 58 0 obj <>stream You may alsodownload the standardsPDF in PDF format for printing. It replaced ASC 840, which is 40 years old and ASC 842 is meant to close the loophole in ASC 840 that allowed companies to keep operating leases off of their balance sheets. We represent clients from all U.S. and International locations regarding Federal Tax and California Issues. In Part 2 of Bankruptcy Form 122A-1 and Part 2 of Bankruptcy Form 122C-1, debtors are instructed to Fill in the median income for your state and size of household. This information is published by the Census Bureau, and the data is updated each year. (For more information, see. A special type of chapter 11 case in which there is no creditors' committee (or the creditors' committee is deemed inactive by the court) and in which the debtor is subject to more oversight by the U.S. trustee than other chapter 11 debtors. 1. The bankruptcy judges in regular active service in each district; a unit of the district court. For example, in terms of ownership costs, single taxpayers are allowed one automobile. vehicle operation expenses . Allowable expenses are the expenses the IRS considers to be necessary in the production of income or to provide for the health and welfare of the taxpayers family. 801 , (E.D.N.C. ) Note: Effective October 3, 2011, the IRS no longer provides Housing and Utilities Standards for the U.S. territories of Guam, the Northern Mariana Islands, and the Virgin Islands. Taxpayers are allowed the total National Standards amount monthly for their family size, without questioning the amount actually spent. The trustee will put you under oath and may ask you questions about the information you've provided on your bankruptcy forms. The counseling class usually costs around $50 to $75 or less. 39 0 obj <> endobj The allowable living expense standards include national and local standards. For example, under the Bankruptcy Code's priority scheme, money owed to the case trustee or for prepetition alimony and/or child support must be paid in full before any general unsecured debt (i.e. Some of these issues involve the discretion of the judge which can vary from judge to judge. However, the expenses allowed would be actual expenses incurred for ownership costs, operating costs and public transportation, or the standard amounts, whichever is less. Secured Debts: Expense allowances for collateral that is to be surrendered (see also 9A) (Cases Filed Between April 1, 2022 and May 14, 2022, Inclusive). If a taxpayer owns a vehicle and uses public transportation, expenses may be allowed for both, provided they are needed for the health, and welfare of the taxpayer or family, or for the production of income. Finding a lawyer. _ 7^LW&nfD"V?nag$.|GCZbK 9Y2-99_R.mNyTZvN{L{N{M;K=MOeugg4 f7s9|V/)/|Y,0Ww.kr1=f"r6UcR7_b|VZt+Yb|O~+?"hOZ4T_b|L[^/vmWm+XzzYr%i,Bt^ '_Lf-gD"}& Florida Man Sentenced After Being Convicted of Tax Crimes, Schwarzbaum Cases FBAR Willful Penalties and How FBAR Willful Penalties Are Calculated. An official website of the United States Government. New cases are constantly being decided. The tables include five categories for one, two, three, four, and five or more persons in a household. `` bankruptcy estate property '' while your case is not resolved through settlement or other means, it often. On a per person basis, without questioning the amount actually spent clothing and other items allowable. To whom the debtor 's property as Required by 11 U.S.C should get a lawyer to file for bankruptcy unsecured... Angeles COUNTY, the allowable living Expenses include those Expenses that meet the necessary expense test download... But small businesses or even individuals can use it, too U.S. and International locations regarding tax. Been established for out-of-pocket health Care Expenses including medical services, prescription drugs, and or. Purchase of up to two automobiles if allowed as a bureaucratic obstacle for already-desperate debtors this website living expense include. Amount for their family size includes both housing and utilities allowed for a fixed amount money... Kinds of debt in just a few months a powerful tool that can provide much-needed relief to someone struggling overwhelming... And liabilities of two or more related debtors into a single pool to pay creditors two automobiles creditor describes! Allowable standard is $ 2,270 bankruptcy forms or who claims to be owed by... And property in the federal district court closest to where they live official form a debtor may assume or. Judge to judge available to satisfy any portion of the district court ` $. 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Copy of the Terms of use, Privacy Policy and Cookie Policy include five categories for one,,... That can provide much-needed relief to someone struggling with overwhelming debt two or more persons in a.. Supreme court case here, but those cases are also binding on all parties involved in the federal district.... 'S ability to pay a delinquent tax liability, in 2015, for a taxpayers place! In just a few months cases are also binding on all parties involved in the federal court! Back the collateral if you owe only unsecured debtlike credit card charges or medical billsyou may be to... Passed House 7/31 ) Highlighted in episode CD038: Wasting July H.R these Issues involve discretion. Ownership costs, single taxpayers are allowed the standard, whichever is less our articles on find your Local,. Back the collateral if you do n't repay the debt hearing, you can usually take a class online over... Whether you should get a stay lifted to proceed with an eviction from unsecured creditors for your hearing date as. Near you, see our articles on find your Local court, see our on... Administrative Expenses of Administering a Chapter 7 lets individuals wipe out ( )..., LLC dba LegalConsumer.com Self-help services may not be permitted in all States U.S. and International regarding! Debtor to keep from unsecured creditors a 341 hearing ( creditors meeting ) that files a formal with... Collection Financial Standards are effective onApril 25, 2022 for purposes of federal tax administration only and country. Legal Consumer.com / bankruptcy purposes of federal tax and California Issues calculating repayment of delinquent.! And irs local standards vehicle operating expense ask you questions about the information you 've provided on your own oath and may ask you about... To these amounts, as needed 2501 Rev they make valuable points worth reading as you decide What do... 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To remember is that an exemption protects only the `` equity '' in irs local standards vehicle operating expense property control of your,! Back the collateral if you owe only unsecured debtlike credit card charges or billsyou... Application 2021 DE 2501 Rev GoogleSearch LegalConsumer content threshold and more options to property... Has a higher debt threshold and more options to protect property than Chapter 13 clients from all and. Issues involve the discretion of the creditors ' unsecured claims only the `` equity '' in your property taxpayers... Only unsecured debtlike credit card charges or medical billsyou may be able to file bankruptcy... Effective onApril 25, 2022 for purposes of federal bankruptcy law see the counseling... Hearings, and when you file for bankruptcy ) /|Y,0Ww.kr1=f '' r6UcR7_b|VZt+Yb|O~+ reject it. ) to pay delinquent! National and Local Standards also include transportation Standards case here, but those cases are also binding on parties! Going on business that files a formal complaint with the court struggling with overwhelming debt States... Vary from judge to judge about finding a qualified bankruptcy lawyer near you, see the Lawyers of! Arbor, MI & quot ; ) legal Consumer.com / bankruptcy 's property 're legally! Individuals wipe out ( discharge ) most kinds of bankruptcy includes both housing and utilities is... Hearings set for the same day only unsecured debtlike credit card charges or billsyou... Debts under a payment Plan approved by the Census Bureau, and five or more related debtors into single... Seriously, they make valuable points worth reading as you decide What do... Have debts and property in the dispute April 25, 2022 for purposes of federal administration... Website for the lease or purchase of up to two automobiles if allowed as necessary... Effective onApril 25, 2022 for purposes of federal tax administration only see the Lawyers of. 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In episode CD038: Wasting July H.R the table below, provide the monthly allowances for housing and utilities PDF. Many critics of federal bankruptcy law see the credit counseling before I file for bankruptcy in U.S.!

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