I was matched up with a very good Bankruptcy Trustee who helped me a great deal. Not only did she make the whole process very painless but I learned a great deal during our counselling sessions as well. I went in thinking that I don't really need any counselling because I got into trouble through several unexpected job losses and long breaks in between jobs. I didn't think it was anything I did wrong. I still feel that way but by keeping a really detailed Budget once I saw where all my money was going I was able to make a few rather simple changes that improved my situation a great deal. Even now, several months removed from my Bankruptcy, I'm still tracking all of my expenses the way and it is still helping.