Credit counseling certificates are good for 6 months, so do this first. They will ask you about income, expenses and debt. There is no test. Chat is the best way to do the one-on-one counseling. Use Attorney Code - jeffmathias or you can just leave the attorney code blank. There is a 60 minute minimum time to complete it. Two certificates are required for joint cases although they still only charge you once. They will send you the certificates after you pay them. Forward copies to Jeff.