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	<title>Wojtan, Vallone &#38; Melin Attorneys at Law&#187; Debtor Education</title>
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		<title>Before You File for Personal Bankruptcy: Information About Credit Counseling and Debtor Education</title>
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		<pubDate>Sat, 29 Aug 2009 12:51:45 +0000</pubDate>
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				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Counseling]]></category>
		<category><![CDATA[Debtor Education]]></category>

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		<description><![CDATA[The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 launched a new era: With limited exceptions, people who plan to file for bankruptcy protection must get credit counseling from a government-approved organization within 180 days before they file. They also must complete a debtor education course to have their debts discharged.]]></description>
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