I suggest you called an approved credit counseling agency. Continuing on the last post-there is a list of approved credit counseling agency’s, however, I have used one agency on a regular basis for 11 years:
Family Life Resources (SPANISH AND ENGLISH)
Toll free: 1-800-553-8621
Locally: 813-989-0359
My clients have always been treated kindly and with dignity and respect. The Company emails the certificate to my office and will file it with the court as well. The counselors are professional and personable.