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