Which of the following duties is/are imposed on consumer debtors prior to filing for bankruptcy?

Group of answer choices

They must contact all their creditors and attempt to work out payment schedules with them.

They must attend financial counseling sessions within six month of filing.

They must make arrangements with the IRS to pay any back taxes owed.

They must return any luxury goods that they purchased within three months of filing.

All of the above are duties imposed on consumer debtors prior to filing for bankruptcy.