Worksheet and checklist
Debt inventory worksheet and credit counselor prep checklist
This is for anyone who has debts spread across several lenders and wants them on one page, whether to plan a payoff or to get ready for a conversation with a nonprofit credit counselor. Type in each debt, watch the totals update, and print the page. Part 2 is a tickable checklist for the counselor meeting. Everything you type or tick stays in this browser on this device and nothing is sent anywhere.
Part 1: Debt inventory
| Creditor | Balance ($) | Interest rate (%) | Minimum payment ($) | Due date |
|---|---|---|---|---|
| Total | $0 | $0 |
The total row adds only the balance and minimum columns. Rates are not added, because you type them and a simple sum of rates means nothing.
Part 2: Preparing to talk to a nonprofit credit counselor
Your ticks are saved only in this browser on this device. Nothing is sent anywhere.
Before you decide
A counselor can explain options, but you decide. Be careful with any firm that asks for fees up front, promises results or tells you to stop talking to your creditors. This is general information, not financial or legal advice. For legal questions about court papers or bankruptcy, a licensed attorney or a legal aid office is the right place to ask.
Why this order
A counselor can only advise on the numbers you bring, so the inventory comes first. Checking the organization comes before sharing personal details, because fees and practices differ widely. The questions are written so you leave with costs and an end date in writing, not a verbal summary. The totals above also give you your combined minimums, which you can compare with your income using the debt-to-income calculator.
Where this comes from
The counselor questions follow Federal Trade Commission consumer guidance on choosing a credit counselor, as summarized in search results from that guidance: ask for free information first, ask about services, fees and whether payment is needed up front, ask whether counselors are certified and the organization licensed in your state, and check complaints with your state attorney general. We did not read every state rule, and the full FTC page was not available to us. The totals are plain addition, covered by a Node test.