Tech & Ops Learning Center

Represent Cricket Debt as the best-in-service provider of credit counseling in the industry. Understand what we do and why we do it, and deliver timely, accurate, and professional service, with a smile, to every client, at each and every contact.

Clients With A Mortgage in Arrears

Table of Contents
image_print

Common Scenarios

Scenario 1

  • “Delay/Prevent Foreclosure” selected
  • At least one month’s arrears listed
  • Additional dischargeable debts listed
  • Has a negative cash flow
 Automatic bankruptcy recommendation
Scenario 2

  • “Delay/Prevent Foreclosure” selected
  • At least one month’s arrears listed
  • Does or does not have additional debts listed
  • Has enough positive cash flow to repay the dischargeable debt in 60 months
  • Has enough money in assets to pay off arrears
 Automatic bankruptcy recommendation
Scenario 3

  • “Delay/Prevent Foreclosure” selected
  • At least one month’s arrears listed
  • No other dischargeable debts listed
  • Has a negative or positive cash flow
 Automatic bankruptcy recommendation
Scenario 4

  • “Delay/Prevent Foreclosure” NOT selected
  • At least one month’s arrears listed
  • Additional dischargeable debts listed
  • Has a positive cash flow
 NOT automatic bankruptcy recommendation
  • While the recommendation may be automatic based on the above scenarios, it’s still your responsibility to properly analyze the budget.


  • If you encounter a scenario that does not fall into one of the above scenarios, please check with OM. 
    • If after regular business hours, make your best recommendation and alert OM via email for review.

 

Quick Links
Bria Queues


6500 – Attorney
6501 – CD Telephone
6502 – CD Counseling
6503 – CD Customer Service
6504 – CD Spanish
6505 – SSF Customer Service
6506 – SSF Spanish
6507 – SSF Attorney
6508 – CD Disclosures
6509 – CD Spanish Disclosures
6510 – CD On Demand Recorded Counseling
6511 – SSF On Demand Recorded Counseling
6512 – SSF Disclosures
6513 – SSF Spanish Disclosures
6526 – OD Follow Up
6600 – Parking Lot

All Crickepedia