Solutions Plus, Inc. - Page 10




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         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                 







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Last modified: March 27, 2008