If you don’t have a computer or don’t have internet access, you other option is doing your credit counseling over the phone. If you file with us, we will provide you credit counseling agencies we have accounts with who will bill us directly. If you pay for your credit counseling on your own, we will give you a $50 discount.

The first credit counseling is about your budget. So when you take it, you should know generally your net income, household expenses, payments on secured debts (car loans, mortgages etc…) and generally how much secured and unsecured debt you have. None of the information you give to the credit counselors goes in your bankruptcy, so estimating or rounding off your number is ok.