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

## 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 question about U.S. law, specifically laws related to bankruptcy and consumer protection.<br /><br />## Step 2<br />The options provided are:<br />1. Credit Card Accountability and Disclosure Act of 2009<br />2. Preservation of Consumers Claims and Defenses Ruling<br />3. Bankruptcy Abuse Prevention and Consumer Protection Act<br />4. Fair Debt Collection Practices Act<br /><br />## Step 3<br />Among these options, the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) is the law that requires debtors to seek counseling before filing for bankruptcy. This act was passed in 2005 and it mandates that individuals must complete a credit counseling course from an approved agency within 180 days before they can file for bankruptcy.