What law requires debtors to get counseling before filing for bankruptcy? Fair Debt Collection Practices Act Credit Card Accountability and Disclosure Act of 2009 Bankruptcy Abuse Prevention and Consumer Protection Act Preservation of Consumers' Claims and Defenses Ruling

## Step 1<br />The question is asking for the specific law that mandates debtors to seek counseling before they can file for bankruptcy. This is a legal requirement that is designed to ensure that debtors are fully aware of the implications of their decision to declare bankruptcy.<br /><br />## Step 2<br />The options provided are all related to financial and consumer protection laws, but they focus on different aspects of financial regulation and consumer rights.<br /><br />## Step 3<br />The Fair Debt Collection Practices Act is primarily concerned with the practices of debt collectors and the rights of consumers in debt.<br /><br />## Step 4<br />The Credit Card Accountability and Disclosure Act of 2009 focuses on the transparency and fairness of credit card practices.<br /><br />## Step 5<br />The Bankruptcy Abuse Prevention and Consumer Protection Act is the law that specifically requires debtors to seek counseling before filing for bankruptcy. This law is designed to ensure that debtors are fully aware of the implications of their decision to declare bankruptcy.<br /><br />## Step 6<br />The Preservation of Consumers' Claims and Defenses Ruling is not a specific law but rather a legal principle that protects consumers' rights in various legal matters.