It is important for you to get through the credit counseling from specific agencies approved by the United States Trustee’s office before you look to file for . You will be charged an amount as fee for the courses and you might also be able to get the counseling at a reduced fee or amount if you are not able to pay the fee in full. You will also be required to pay the fees or filing the papers and there are a series of forms that you need to file for Chapter 13. As these forms and procedures are somewhat confusing, it would be better for you to hire the services of an attorney to properly fill the forms.