There are times when we may feel empty or that life is meaningless. We may feel alone and experience the anxiety of this isolation. We may find ourselves questioning what the point of life is and it may feel frustrating to not arrive at an answer. Situation worsens when one is lost in some sort of financial troubles as debts. At such times, we may begin to look within and around for answers to our questions and look for options that could give a new beginning.Well in all such circumstances good advice and professional counseling may strengthen and support all those facts which a person can be unaware .And unknown of even solutions may lead him/ her in amore hopeless situation .Suppose a person is neck tight with amount of debt taken and in no way but declaring himself bankrupt look as the solution. The good news is Govt. allows for such legal filing as the method to pay off debts. But as there are always two sides of the coin even it is with bankruptcy filing. There are many people who actually doesn’t seem to know the plus and minus of such legal steps and eventually get exploited. Seeing all this one of the most significant changes is that under the new law, consumers who want to file for bankruptcy must complete a credit counseling briefing, designed to inform them of their options in dealing with their debts, six months prior to filing. The course must be at least 90 minutes long and can’t cost more than $50. Accredited agencies can’t turn anyone away based on their ability to pay. As we all know prevention is better than cure. This law is in the wish to not find any client leading to bankruptcy credit counseling just because of lack of knowledge.One is provided with bankruptcy counseling as a part of our debt education program. The briefing can be provided through one-on-one, in-person counseling; group classes or over the phone or Internet. The U.S. Trustee Program of the Department of Justice, which administers various aspects of the new bankruptcy law, must approve the curriculum. Through this program one can learn the basic aspects of debt management. It would save you from any kind of huge mess with credit card and debt. In addition, if you have living debt problem, you should learn the aspects of Federal acts that you need to use to go for any kind of debt solutions. It is not possible for the general people to learn all about the Federal Acts that are set to fix financial problems. However, knowledge on the matter can be helpful to avoid unwanted harassment from creditors. Being a non-profit organization the debt educators help you to lead a debt free life for all. Education in these areas and many others will place you on the path toward financial freedom. This will also allow you to make practical decisions regarding your finances.