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document.write("Credit Counseling today has evolved into a multifaceted, comprehensive concept that may include financial management classes, budget analysis, negotiation of debt reduction, or suggestions for self negotiation for the purpose of reducing debts. According to new federal laws, credit counseling classes are now mandatory as a condition for filing bankruptcy. These formal, federally required credit counseling classes must be completed before filing, no more than 6 months before initiating a petition in federal court, and may only be obtained from an approved provider.")