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Did You Know.... With the passage of the Bankruptcy Reform Act, consumers considering bankruptcy must enter a debt management / credit counseling program 6 months prior to filing.  If you are looking for a realistic alternative to bankruptcy, please visit the links below:  If you are looking for a realistic alternative to bankruptcy, please visit the links below:  Consumer Credit Counseling - Offers debt counseling & management services. . Debt Consolidation - Offers bankruptcy alternative. Become debt free without borrowing or filing. .