Debt can be extremely overwhelming; however, declaring bankruptcy may be your best option. As of October 17, 2005 you must get Pre-filing credit counseling from a government approved organization within six months before you file for bankruptcy protection. SafeGuard Credit Counseling is approved by the United States Department of Justice to perform both Pre-filing credit counseling and Post-filing debtor education. SafeGuard Credit Counseling is a non profit 501 c 3 organization and is approved to issue certificates evidencing completion of a Pre-filing credit counseling and Post-filing debtor education in compliance with the bankruptcy code. Approval does not endorse or assure the quality of our agency’s services.