What to expect: First credit counseling course

Every person that files for bankruptcy is required to complete two credit counseling courses. The cost of the credit counseling courses is $50 or $25 for each session. To complete the first credit counseling course:

  • Gather the following information
    • Monthly income
    • Monthly expenses
    • Your debts and the balance on your debts
  • Go to www.acdcas.com
  • Follow the directions on the website to set up your account
    • Write down your user name and password
  • When asked for the firm code type in “morgan” without the quotes
  • After you register, you will be given a four digit user id number
    • Write down your user id number
  • Follow the direction on the website and fill out the requested information
    • If you are unsure about any of the requested numbers, just put an estimate. Exact numbers are NOT necessary!
  • You are required to spend at least one hour on the first course
  • To complete the first course you will have complete an online chat
    • They will ask for your user name, your date of birth, the last four digits of your SSN, and your user id number
  • During the chat, you will verify information and ask any questions that you had during the course
  • Your certificate of completion will be emailed to Morgan & Morgan
  • The first credit counseling course is designed to help you gather the required information to file bankruptcy. You will also see a snapshot of your financial situation.

    Download the PDF resource: First Credit Counseling Course

    Other Frequently Asked Questions:

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