Phone Counseling (not OD)

Account Verification 

For account security, please verify the last 4 digits of your SSN & your zip code.

Expectation

Just so you know what to expect, I will review the information you entered, provide my recommendations and then complete your counseling.  Give me a moment while I review your budget.

Budget 

Based on the information in the budget you provided, here is your cash flow summary:

Your net monthly income: $XXX

Your monthly payment obligations*: $XXX

Falling behind: $XXX

OR

Your available cash: $XXX

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. Bankruptcy appears to be your best option.

• If it appears there is enough to pay back debt, tell the client: 

Based on the budget you provided, it appears you have enough available money each month to pay down your debts in a reasonable time frame. Keep in mind that if you are only making minimum payments on your debt, you may still fall further behind each month due to interest.

I understand there may be other circumstances that you’ve discussed with your attorney that have you leaning toward bankruptcy.

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.

Certificate Delivery

• Cricket /Uco (non-CIN) Clients:
  • Your certificate will be sent to [list email address(es) or fax number(s)] and it should arrive within 15 minutes. Your certificate is valid for 180 days and so is access to your account.

• 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.