I work for the federal government and my salary is $70,000 annually, single and no dependents. I was out on medical leave for 14 months without pay or any form of income. I'm just returning to work and before I can get a first pay check, the creditors are lined up with court filings and threats of garnishments. Since I have not had a salary in over a year will I still be required to take the pre-filing credit counseling course? Will future income be considered or the income I earned for the past 6 months which is $0. Are there any good bankruptcy attorneys in the landover Maryland area? how long do creditors have to contest a filing after the petition for chapter 7 is filed. I have over 80,000 in debt which includes unpaid federal taxes from (2007-2010).