options with you, the main questions that I may ask are; - How much debt are you in? - Who are the debts with? - Do you own any assets? - What your monthly household income is? And, - How many people are in your household? Once I have that information, I will go over all of your options with you; the 4 main options that I will talk about when you come in are; While reviewing all of your options, you can ask any questions that you have, so you can get a better understanding of what option may be best for you. 3. Choose your option After I have reviewed all of your options with you, you can then choose which option you feel is best for you. I won't tell you what option is best for you as you have to make that decision yourself and legally I can only lay out the options for you. You don't have to make the decision the day you meet with me. I usually give my clients 2 options, if they make their decision the day they meet with me, I will help them fill out the application and provide them with a list of additional information that I may need. Or, if they decide that they want to think about what option they want to go with, they can take the application home with them and once they have made their decision, they can just send me an email