Don't forget to take post filing Money Management Course. A lot of people filing bankruptcy are aware of the need to take a credit counseling course before they can file bankruptcy. Typically it is taken on line or by telephone. However, you should be aware of the fact that a second course must be taken, this one after the bankruptcy has been filed. If the money management course is not completed and filed with the bankruptcy court prior to the case being closed, your debts will not be discharged. This means you will still owe the debts that existed when the bankruptcy was filed. There are steps that can be taken to rectify the problem, but that takes time and money.