If you need a fresh start through the discharge of all of your debts in a Chapter 7 Bankruptcy, you must first, during the 180 day period prior to filing, take a credit counseling course from an agency approved by the bankruptcy court.  The course may be conducted by telephone or internet.  It must be paid for by the person taking it.  There are many for under $10.00.  Once successfully completed a special certificate is issued which must be filed with bankruptcy court.  If you need more information on how to get started, please feel free to call attorney Mark O Grater in Groton, Ct representing all of New London county at 860-449-8059 or e-mail him at mgraterlaw@sbcglobal.net.