You must receive budget and credit counseling from an approved credit counseling agency within 180 days before your bankruptcy case is filed. The agency will review possible options available to you in credit counseling and assist you in reviewing your budget. Different agencies provide the counseling in-person, by telephone or over the internet. If you decide to file bankruptcy, you will need to file with the bankruptcy petition, a certificate from the agency stating that you received the credit counseling. If you file bankruptcy with this office, we will instruct you who to take the credit counseling from and give you specific instruction for completing your credit counseling.