An evaluation of a person's ﬁnancial situation,a discussion of alternatives to bankruptcy,and a personal budget plan are all included in:

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Pre-bankruptcy counseling is a service required by law for individuals considering filing for bankruptcy. It involves an evaluation of the person's financial situation, discussion of alternatives to bankruptcy, and the development of a personal budget plan to help the individual manage their finances more effectively. Pre-debit counseling and creditor counseling do not involve the same level of evaluation and budget planning as pre-bankruptcy counseling. Real counseling and financial counseling are not specific enough to address the specific focus of pre-bankruptcy counseling.

An Evaluation of a Person's ﬁNancial Situation,a Discussion of Alternatives