You must receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you in credit counseling and assist you in reviewing your budget. If you decide to file bankruptcy, you must have a certificate from the agency showing that you received the counseling before your bankruptcy case was filed. The Benenati Law Firm P.A. will coordinate this class for you. It can be done over the internet or telephone and takes approximately 60 to 90 minutes.