A new bankruptcy law will go into affect Monday. If you are considering filing, it may be tougher to find an attorney. That's because the new law also imposes requirements on lawyers. The major changes include: debtors will have to get credit counseling before filing, also budgeting and debt management counseling must be completed before filing, and filers with higher incomes will be required to use Chapter 7, instead of Chapter 13. That means they must repay at least some of their debt.