By law people who file bankruptcy

A) must get credit counseliing before they file

B) don't have to pay any of their bills

C) finish the process with clean credit record

D) usually can receive new credit after the proeedings

D - usually can receive new credit after the proceedings. There is no requirement to go to credit counseling. Often times as part of the settlement, they have to pay a portion of their debts (based on ability) and their credit is not clean when they are finished. However, they can eventually restore their credit over time.