Greeting
Thank you for calling, this is XXXX. How can I help you today?
Client Name
I’m happy to help you with that. Can I please have your first and last name and the city & state you live in?
Account access
To access your account, please provide me with the last 4 of your social and your zip code.
Account Readiness
Ensure the client has listened to the entire recorded session and payment status is acceptable to proceed.
Overview
So what we’ll do is go through some questions together, gather your financial information, I’ll give you my recommendation and then we’ll complete your counseling.
Let’s get started.
# In Household
How many people are being supported by your income? Enter number.
Income
How much do you bring home each month after taxes and withholdings?
Voluntary deductions (only if employed)
Not including medical insurance or mandatory garnishments, do you have any 401k or other voluntary deductions taken from your paycheck?
Housing
Do you pay rent or pay mortgage?
How much do you pay per month?
If renter
How much do you pay for renter’s insurance each month?
If mortgage:
Are your taxes and insurance included in that?
If not, enter appropriate number(s).
What is the balance of your mortgage?
“Are you behind on your mortgage?”
If so, ask how much they owe in arrears or how many months they are behind and add the amount.
“Are you trying to prevent a foreclosure?”
If yes, check the Delay or Prevent the Foreclosure of a Home box.
Utilities
On average how much do you pay for household utilities each month (electric, heat, cable, internet)?
On average, how much are your monthly telephone expenses?
Transportation
Do you have a car loan?
What’s the balance?
What is the monthly payment?
How much do you pay for car insurance each month?
On average how much do you pay per month for gasoline and car maintenance?
Food
On average how much do you spend on food each month (groceries & dining out)?
Medical
Do you have any medical debt?
Are you making any payment on any of these debts? [Click on save.]
On average how much do you spend on out-of-pocket medical expenses like copays, prescriptions, and over the counter medications?
Do you pay for medical insurance or any other insurance that isn’t taken out of your paycheck?
Note – if there is other insurance, the counselor will need to scroll to the “Other” section to enter this
Other Debts and Expenses
Do you have any tax or student loan debt?
Do you have any credit card debt?
What is a lump sum estimate of the total amount you owe?
Do you have any other debts that we haven’t captured?
Are you making any payment on any of these debts?
[Click on save.]
Budget Recap
Thank you for providing all of that. So, to recap. Based on the information you provided, your net monthly income is: $XXX, your monthly payment obligations* are $XXX, which leaves you:
falling behind $XXX
OR
with $XXX in available cash each month (before paying your debts back)
Recommend a plan
If there is no money left to pay back debt:
Based on the numbers you provided I can see you don’t have the means to pay back the debt and bankruptcy appears to be your best option.
If it appears there is enough to pay back debt:
Issuing Certificate(s)
If you don’t have any questions, I will go ahead and issue your certificate. First let me confirm the spelling of your name.
Judicial District
I’m issuing your certificate in the district of XXXX.
Certificate Delivery
Cricket /Uco (non-CIN) Clients:
Your certificate is valid for 180 days. Your certificate will be sent to [list email address(es) or fax number(s)] and it should arrive within 15 minutes.
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- Attorney name if applicable
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CIN Clients:
Your certificate is valid for 180 days and will be available to you and your attorney through your account at My Horizon Today within the next 15 minutes.