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these requirements, petitioner tells the caller “we can
definitely assist you right away”. Petitioner advises that it
will consolidate the caller’s unsecured debts, give the caller
one place to make payments, and can typically reduce monthly
payments. Petitioner also advises callers that they will receive
benefits from their creditors that the callers cannot receive
individually.
Next, petitioner requests personal and debt information in
order to calculate the caller’s monthly payment on the DMP.
Then, petitioner advises the caller that there are no fees to
join the program, but asks for a contribution of $5 per creditor
per month. Petitioner tells the caller that the contribution is
tax deductible and that petitioner has already included the
contribution in the caller’s monthly payment amount.
Petitioner then completes a budget worksheet that the
“creditors require”. If petitioner determines from the worksheet
that the caller has positive disposable income, and the caller
says that he or she needs the program because of delinquency,
reduction in income, or increase in expenses, petitioner enrolls
the caller in a DMP. If a caller has positive disposable income,
but does not cite one of these reasons for needing the program,
petitioner tells the caller that creditors may not offer
benefits, says that it cannot assist the caller, suggests that
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Last modified: March 27, 2008