RECOMMENDED Debt Resolution

Enrollment Process & Going Over the Agreement (GOTA)

Updated: 4/1/2026

PLEASE CONSULT WITH YOUR LEGAL COUNSEL ABOUT THIS PROCESS TO ENSURE COMPLIANCE WITH STATE AND FEDERAL LAWS AND REGULATIONS AS THIS IS SIMPLY A “RECOMMENDED” PROCESS.

Reviewing the Debt Resolution Program terms is a crucial role of the Sales and Enrollment team. Below is a recommended summary of the sales and enrollment process.

DOES THE CLIENT LIVE IN ATTORNEY MODEL STATE?

CRM will Identify the Law Firm:

CountryWide Legal Group OR Newport Consumer Legal Group

If a potential client resides in an attorney enrollment state, THE CLIENT MUST OPT-IN to learn more about the law firm’s debt resolution program BEFORE YOU GO OVER THE PROGRAM TERMS

Based on the information I have gathered so far, it looks like you may qualify for a Debt Resolution Program offered by [NAME OF LAW FIRM as Identified in the CRM].

This program was designed specifically to help people in situations just like yours — to give you a real path forward and a light at the end of the tunnel when it comes to getting out of debt. Before I walk you through how it works and what it could mean for you, I just need your verbal confirmation. Can I take a few minutes to go over the details of the program with you?" CLIENT MUST SAY YES

1. DOES THE CLIENT QUALIFY FOR A HARDSHIP?

To qualify for the program, we must demonstrate that the client is experiencing a financial hardship. Financial hardship is defined as follows:

· Is the client delinquent with some of their debt obligations? If so, the client must provide an explanation of what caused the clients to fall delinquent.

· Is the client experiencing a struggle to keep up with making the minimum payments and do not see themselves be able to get out of debt at a reasonable time? If the client is not delinquent with paying any of their creditors, we must get an explanation that the client is STRUGGLING to keep up with making the minimum payments to their current creditors and therefore, the client does not see themselves getting out of debt at a reasonable time.

2. DISCUSSING THE NUMBERS.

Explaining the economic benefits of the program.

Step 1. Identify which Creditors to enroll in the program.

Step 2. Current Debt Payoff Strategy: Discuss the client’s current debt payoff strategy. Educate the client about the MINIMUM PAYMENT TRAP.

Making just the minimum payments to your creditors, the estimated cost to you would be: {ESTIMATED TOTAL PAYBACK} . This estimate is based on an average of 24% interest to your credit cards and paying off the balance of any installment loans.

If you DO NOT have a savings account to help pay off your debts and can only afford to make the minimum payments to your creditors, then you should consider a Debt Resolution Program. Let me provide you a breakdown of how a Debt Resolution Program can help you get out of debt:

· Your estimated Debt Payoff would be: {ESTIMATED TOTAL PAYBACK}

· Your monthly Program payments would be: {MONTHLY PROGRAM PAYMENTS}

· Estimated Months to complete the Program: {PROGRAM MONTHS}

· The service fees which are included in the Program Total Payback and included in your Program Monthly Payments are:

25% CountryWide Debt Relief,

27.5% Newport Consumer Law Group,

30% CountryWide Legal Group

A debt resolution program would save you an estimate of {TOTAL SAVINGS} vs making just the minimum payments to your creditors.

3. CONFIRMING AFFORDABILITY

To qualify for the program, we must demonstrate that you can afford the program payments. Let’s do an analysis of your income and expenses to see if this program’s payments are affordable for you.

COMPLETE THE INCOME AND EXPENSE in the CRM and verify that client can afford the program payments.

You are enrolling in a Debt Resolution Program. The goal of the program is to consolidate your debts to the program and help negotiate and settle with your creditors. Here is a summary of how the program will help pay off your enrolled creditors:

· You will be making 1 monthly program payment. The funds from the monthly program payments will be deposited into your program savings account which is FDIC insured.

· You will need to stop using the creditors that are enrolled in the program. The accounts will be closed once the creditors know you are enrolled in a Debt Resolution Program. The Program does not require you to make payments to the enrolled creditors since the program savings funds will be used to negotiate and settle with the enrolled creditors.

Should you wish to make payments to your creditors, you will need to remove the creditors from the program.

**WE CANNOT TELL THE CLIENT TO STOP PAYING THEIR CREDITORS, THEY MUST MAKE THAT DECISION ON THEIR OWN IF THEY WANT TO ENROLL IN THE PROGRAM.

· All the enrolled creditors will be contacted by the negotiations team and notified that you have enrolled in a Debt Resolution Program and that you intend to negotiate settlements with them.

· Once a Settlement is reached with an enrolled creditor, the customer service team will contact you and notify you of the settlement terms and if you approve the settlement, the funds from your program savings will be used to pay off the settled amount.

· The negotiations team will settle your debts with each enrolled creditor as funds accumulate in your program savings account. Once the final debt is settled, our customer service team will contact you to provide your final program payment date. Once the final program payment has been made, you will graduate from the program.

The recommended disclosures should be given to the client, and the client must agree and understand each disclosure.

· The Debt Resolution Program is not a loan to pay off the full balance of the creditors. Instead, a negotiated portion of the balance with the enrolled creditors will be paid.

PLEASE CONFIRM YOUR UNDERSTANDING THAT THIS IS NOT A LOAN.

· While you are in the program, you will likely notice a negative impact to your credit profile and credit score. This is because you are no longer paying the creditors directly, and the creditors will be asked to forgive the principal balance and future interest on the accounts.

The good news is that the negative impact to your credit is not permanent. As each creditor is settled and paid through your program savings, the settled creditor will update the status of the settled debt on your credit report to show Settled and Paid with $0 balance.

Once you graduate from the program and settle and pay off all your enrolled creditors, your credit profile will reflect the settled and $0 balance. Having paid off your debts, Your Debt-to-Income Ratio will improve. You can then focus on rebuilding your credit profile.

I NEED TO CONFIRM THAT YOU UNDERSTAND THAT THIS PROGRAM WILL HAVE A NEGATIVE IMPACT ON YOUR CREDIT AND THAT THIS PROGRAM IS NOT A CREDIT REPAIR PROGRAM.

· The Estimated settlement payoffs to your enrolled creditors are a good faith estimate. Actual settlements with each creditor could be higher or lower. Most clients enrolled in a Debt Resolution Program finish the program within 3-6 MONTHS of our estimated program completion date. The program can end sooner if the total payback to the enrolled creditors is LESS. The program can take longer if the total payback to the enrolled creditors is MORE.

I NEED TO CONFIRM THAT YOU UNDERSTAND THE NUMBER OF MONTHS TO COMPLETE THE PROGRAM IS AN ESTIMATE.

· The Program payments that are made each month will be saved in your program savings. The creditors will not be getting monthly payments from your program's payments unless a settlement has been reached with the creditor. We must first negotiate a settlement with an enrolled creditor and once you approve the settlement terms, we will then use your program savings funds to pay off the settled creditor.

I NEED TO CONFIRM THAT YOU UNDERSTAND THAT WE WILL NOT BE MAKING MONTHLY PAYMENTS TO YOUR ENROLLED CREDITORS.

· The negotiation strategy is tailored to each creditor, as they all have different settlement guidelines. The negotiations team will negotiate with your creditors when the negotiator thinks a favorable deal can be reached.

As a general guideline, at least 25% of your balance with a creditor must be saved to secure a good settlement. The first settlement can take around 1-6 months from your enrollment date. After that, the next creditor will be negotiated as soon as you've saved enough to make another strong settlement offer.

This process will repeat until all the enrolled creditors have been settled. The good news is that you don’t have to worry about which creditor needs to be paid since our negotiations team will be responsible for settling and paying your enrolled creditors.

I NEED TO CONFIRM THAT YOU UNDERSTAND THAT THE FIRST SETTLEMENT WITH AN ENROLLED CREDITOR CAN TAKE 1-6 MONTHS FROM YOUR ENROLLMENT DATE.

Legal Access Plan – If the program includes the OPTIONAL legal access plan make sure to go over the opt in process with the client. SEE LEGAL ACCESS PLAN OPT-IN Script on the next page.

(Not Required for CountryWide Legal Group)

Updated 4/1/2026

CountryWide Legal Group: Already included in the service fee of 30%, DO NOT NEED TO INCLUDE AND DISCLOSE.

"Great news – your program includes powerful legal protection!

Here's how the Legal Access Plan protects you: Every enrolled creditor gets notified that you're represented by an attorney. This gives you three huge advantages:

✓ Creditor Protection – All communication goes through your attorney, making creditors cautious and cooperative since they won't risk violating collection laws
✓ Harassment Stops – Creditors back off when they know an attorney is involved
✓ Legal Defense – If any creditor takes legal action, your attorney represents you for a fair resolution

Here's the best part: This is already included in the payment I quoted – just $50 per month and a one-time $250 setup fee, all built into your program. The reality is creditors push much harder on people without legal representation. That's why most clients keep this protection. Since it's optional, I just need your confirmation – are you good with keeping the Legal Access Plan in your program?

[If yes] "Perfect! You're all set with full legal protection."

[If hesitant] "Just so you know – if you opt out, you'll handle creditor calls and any legal issues on your own which can lead to higher settlement paybacks to your creditors. Your monthly program payment will stay the same even if you opt out of the legal access plan, the only potential savings could be that you might complete the program a few months earlier; however, you are taking the risk of facing legal challenges from the creditors if you don’t have legal protection included. Still want to remove it?

[If firm no]
"Okay, let me revise the Proposal to remove the Legal Plan”.

Update the Proposal to remove the Legal Plan and redisclose the program terms.

Banking Relations with Enrolled Creditors

If the client banks with an enrolled creditor, that creditor can withdraw money from their account without notice (right to offset). RECOMMENDED: Client should switch to a different bank. Client must be advised of this risk, and should client choose to not change bank accounts, must be noted in sales notes that the client has acknowledged this risk.

Note Loans/Installment Loans

If any Note Loan or Installment loans is enrolled and balance enrolled is >$5,000, must make a sales Note confirming that the loan is not secured by Auto, Motorcycle or Recreational Vehicle. (Household items are ok).

Credit Unions

If any enrolled creditor is a Credit Union, confirm the following:

· Cannot have any Auto loans or real estate loans with the credit union. If they do, we CANNOT enroll the Credit Union debt to the program.

· Confirm the client is not employed by the Credit Union, or the Credit Union is not part of their employer. We CANNOT enroll the Credit Union Debt to the program if the client is Employed by the Credit Union or the Credit Union is part of their Employers Credit Union.

· Cannot have any Checking or Savings Account with the Credit Union

Creditors in Delinquent Status

· If any of the creditors enrolled are delinquent at the time of enrollment, we must confirm with the client that they have not received any legal collection notices from the delinquent creditors.

· If they have received any legal notices, we must change the creditor Status to Legal status and make sure the client provides us with the legal documents for the creditor. We also need to make sure we read the Legal Disclosure for enrolling legal creditors to the program.

Goodleap
HSERVCOM
Military Star/Army and Air Force Exchange Service (AAFES)
Pioneer Military/Pioneer Financial
RBC BANK
Rapid Finance
Sunbit
Les Schwab
Omni Credit Company