http://www.goinglegal.com en-us editorial@articlealley.com In the process of credit advice at an “approved non-profit financial position and credit guidance agency” within 180 days before declaring Chapter 7 or Chapter thirteen bankruptcy is needed as per the new bankruptcy law that came into effect on October 17... http://www.goinglegal.com/stages-for-answering-chapter-13-bankruptcy-2125446.html 17th March 2011