What do I need to begin?
- You will want to gather a list of your monthly income and expenses.
In addition, you will need to total your unsecured
debt (credit cards, medical bills, unsecured loans)
as well as the total required monthly minimum payments
on your unsecured debt - do not include your mortgage
or vehicle(s) (secured) in the unsecured debt fields.
- Once you input your basic information, and budget information,
you will be prompted to enter your payment information.
- After submitting payment information, you will be prompted to
call our toll free number to complete your counseling
and receive your certificate. Counseling MUST be
completed by way of telephone to receive your certificate.
Please have your debt information available.
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