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Incorporated in the new amendments to 11 U.S.C. 109(h) (the
Bankruptcy Code), all debtors are now required to participate, as
condition of filing bankruptcy under Chapter 7 or 13, in new government debt relief
option counseling and a thorough budget analysis program approved by
terms provided in the Code. Federal government debt relief counseling
must be completed during the 180 days before filing a petition. This requirement
is new as of 2005. Prior editions of the Code placed no such restriction
on individuals who filed before October 17, 2005.
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