Under the new law, it's harder to file for Chapter 7 bankruptcy. Chapter 7 is popular because it eliminates most debts. For more information about pre-bankruptcy credit counseling: The FTC has a free report called Before You File for Personal Bankruptcy. You can find it at www.ftc.gov. At the top, where it says search, type the name of the report. The U.S. Trustee Program lists credit-counseling agencies approved by the judicial district in your state. Go to www.usdoj.gov/ust. To find a bankruptcy lawyer, go to www.nacba.com. The National Association of Consumer Bankruptcy Attorneys has a list of lawyers near you. Debtors who want to handle their own legal service can rely on a book that explains the new bankruptcy law: "How to File for Chapter 7 Bankruptcy," at www.nolo.com....