Bankruptcy law requires that you take two classes. One must be completed before you file. One is after filing. You are allowed to do it online, in person, or by phone. You must do one approved in your district. None I have seen charge that much. The ones we recommend cost $25 or less. But once you sign up for one, you owe for it. Note that if you have failed to give your lawyer needed documents, which include paychecks, tax returns, bank statements, bills, deeds, titles and other things, he cannot file, so the failure to file, based on your post, clearly is your fault by your own admission.
Answered on Jun 01st, 2011 at 11:04 AM