By Melissa Allison and Emily Heffter
Seattle Times staff reporters

Anyone who wants to file personal bankruptcy now must visit a credit counselor first, thanks to a new bankruptcy law that kicked in last fall. Lenders hoped counseling would persuade some borrowers not to file bankruptcy.

But the sessions aren't changing anybody's mind about filing, credit counselors say, and the required counseling is putting the agencies in a financial bind.

Credit-counseling agencies say they bring in a significant portion of ...   more »