Bankruptcy Reform - Section 106

Section 106: Credit Counseling:
    11 USC 109 and 11 USC 727(a) and 11 USC 1328  and  11 USC 521

   ADD  11 USC 109
       "an individual may not be a debtor under this title unless such individual has, 
       during the 180-day [6 months] period preceding the date of filing of the petition
       by such individual, received from an approved nonprofit budget and credit
       counseling agency described in section 111(a) an individual or group briefing
       (including a briefing by telephone or on the Internet) that outlined the 
       opportunities for available credit counseling and assisted such individual in 
       performing a related budget analysis."

   ADD  11 USC 727
       "after filing the petition, the debtor failed to comple an instructional course
       concerning personal financial management described in section 111...

   ADD  11 USC 1328    
       "The court shall not grant a discharge under this section to a debtor unless after
       filing a petition the debtor has completed an instructional course concerning
       personal financial management described in section 111.

    ADD  11 USC 521
       "..a debtor who is an individual shall file with the court --

       (1) a certificate from the approved nonprofit budget and credit counseling 
       agency that provided the debtor services under Section 109 describing the 
       services provided to the debtor; and

      (2) a copy of the debt repayment plan, if any, developed under Section 109 
       through the approved nonprofit budget and credit counseling agency....