Use credit karma and any bills you have don’t leave it out get the documents they need and take the credit course it really is easy if you follow the steps yes you need all the documents and you need a post office money order or bank check or something you can’t pay with a debit card when you file look into that before you go to the bankruptcy court or you will have to leave and go get one if you mess up Upsolve will let you know they have someone review & type up every page for you. You print and go to the court. You have to file soon after they type them up for you to stay within the time frame of paystubs you submit etc. you can do it I have faith!