Frequently Asked Questions

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
  • 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:

Client Testimonials

Attorney Jason Braswell & Lisa LaCount are just wonderful...not one time have I call the office that I didn’t get a chance to speak directly to Jason or Lisa, or receive an immediate return call/email with a response. Thanks to this attorney team, my mind and our finances are in order. - C.P.

Catherine Pettit

Morgan & Morgan worked on disability benefits for my unemployed 50-year old brother who was homeless and suffering from autism/Asperger’s syndrome. We all knew nothing (!) and Mr. Morgan was a breath of fresh air.

Disability client

My experience with Morgan & Morgan was exceptional!!! I was very well informed about their procedures and felt comfortable about going forth with my case. Everything was handled with importance. - C.J.

Casmin Jones

We were fully enlightened about our situation which helped us choose our best choice concerning a problem. We would recommend Mr Braswell to our friends. - H.A.

Harold Andrews

A very respectful law firm that has very good customer service which is job one in the human world. Thank you Morgan and Morgan of Athens, GA. - W.S.


Jason is the best lawyer ever. I appreciate everything he's done in my case. I could never thank him enough.


Dedicated to providing superior service not found elsewhere.

Morgan & Morgan attorneys can help settle your debts such as credit card debt, auto loans and mortgage debt. Contact us if you need assistance with baknruptcy or have any questions about the process. No problem is too big or too small for us to help.