Was 2005 the last time or have they changed since then?
2005 was the last major change to bankruptcy laws.
In 2005, the Bankruptcy Code was amended to require that most individual debtors complete a special briefing from an approved credit counseling agency before filing a bankruptcy case. In most states, the United States trustee is responsible for approving the providers that offer this special pre-bankruptcy briefing, and in the six districts located in Alabama and North Carolina, the bankruptcy administrator assigned to those districts approve them. The United States trustee and the bankruptcy administrators maintain a list of approved providers.
Look at the link below for more information about bankruptcy
http://www.uscourts.gov/bankruptcycourts.html
