- 10 -
the caller contact his or her creditors directly, and then ends
the call.
If petitioner determines that the caller has negative
disposable income, but the caller says that he or she thinks the
DMP payment is affordable, petitioner enrolls the caller. If the
caller has positive disposable income, but does not think the DMP
payment is affordable for some reason, petitioner tells the
caller that the program is not right for him or her, to call back
if something changes that would enable the caller to afford the
program, to call the creditors directly, and then ends the call.
For qualifying callers, the origination script then
completes the enrollment process, which includes setting the
payment date, account activation, automatic checking account
debiting, client agreement, and “keys to success on the DMP”.
Petitioner ends each call by asking the caller if he or she knows
anyone else who might be interested in a DMP and, if so, to have
that person call petitioner and seek its assistance.
c. Educational Materials and Goals
Mr. Dennis stated that petitioner plans to “educate high
school and college students on developing and maintaining sound
financial management skills” through free seminars and workshops.
The planned curriculum will include principles of financial
management, debt-to-income ratios, managing credit ratings, and
investing. Petitioner also contemplated a seminar topic and
Page: Previous 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Next
Last modified: March 27, 2008