The first time you come to see Ted he will analyze your income, expenses, assets, and debts. He will counsel you on ALL of your choices not just Bankruptcy.
It is very important to have all the information necessary to accurately make this analysis. Your meeting will be strictly confidential and you must disclose everything to get an accurate analysis.He will help you formulate a budget on how you are going to pay your living expenses after you select the remedy for your present situation. So it is important to tell Ted everything--do not leave out any information and always tell him the whole truth--only then can he make an accurate analysis of your situation for the best possible results. If credit counseling is needed or required Ted will help you select the agency that best suits your needs.
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