Interest Media Debt Relief Checklist

iNTEREST MEDIA Debt verification checklist

INCOME

DEBT TYPE

DEBT AMOUNT

"Now at the moment, do you have a source of income?" If YES, continue. If NO, move to close (DNQ-No income)

"Ok thanks, and to confirm do you owe over $10,000 dollars at this time?" If YES, continue. If NO, move to close (DNQ-Debt amount)

"Is the unsecured debt you’re looking for help with from credit cards, personal loans or medical bills?"If YES, continue. If NO, move to close (DNQ-Debt type)

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ENROLLMENT STATUS

Customer availability

AFFORDABILITY

"Okay, great! Are you able to afford at least a $250 monthly payment to settle your debts?" If YES, continue. If NO, move to close (DNQ-Debt amount)

"Awesome! Now, are you currently enrolled in a debt relief or bankruptcy program at this time?"If NO, continue. If YES, move to close (DNQ-Already enrolled)

"Do you have 5-10 minutes available right now to speak with my licensed agent to get setup?"

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Training & Development

Company name

Training & Development

DEBT REMINDERS

MAIL/EMAIL REQUEST

IF nOT iNTERESTED

INFO SOURCE/LOCATION

If the customer asks: "can you mail me some information?"Reply: "Yes, we can certainly send you information via email/mail. First, my debt specialist will provide you with a review so you can hear some options, then they will send you everything via email/mail."

If the customer asks:"How did you get my information?" OR "where are you located?"

"There are new and affordable Debt Relief Programs within your area for 2024 that can help you get the peace of mind of resolving your debt. I can transfer you over to a debt specialist for a FREE-NO COMMITMENT evaluation"

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COMPANY NAME

cost Quote

DOWNSALES

If a customer asks:"How much is this going to cost me?"

If customers are asking who we are: "What is National Capital Advisors?"

When customers are not eligible for the Debt Relief Programs we offer, we can still try to qualify them for FREE Health insurance or Final Expense Insurance

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Credit Worthiness

Your creditworthiness tells a creditor just how suitable you are for the loan or credit card application that you filled out. The decision that the lender makes is based on how you’ve dealt with credit in the past. Lenders look at several different factors: your overall credit report, credit score, and payment history. Personal debt may be one of 2 types, secured or unsecured:

Secured debts are those for which the borrower puts up some asset as collateral for the loan. A secured debt simply means that in the event of default, the lender can seize the asset to collect the funds it has advanced the borrower. Common types of secured debt for consumers are mortgages and auto loans, in which the item being financed becomes the collateral for the financing.

Unsecured debt has no collateral backing: It requires no security, as the name implies. If the borrower defaults on this type of debt, the lender must initiate a lawsuit to try to collect what it is owed. Lenders issue unsecured loans based solely on the borrower’s creditworthiness and promise to repay. Examples of unsecured debts include medical bills, retail installment contracts such as gym memberships, and outstanding balances on most credit cards.

Control the Call:

"We line you up with a specialist that can help you evaluate your debt situation in an effort to stop collection calls and reduce or consolidate the amount of debt you owe to make getting out of debt easier. Do you currently owe $10,000 dollars or more?" (continue with the call)

• If YES, continue.

• If NO, rebuttal: "Ok are you sure? It only takes about 5-10 minutes to get you that FREE evaluation to help you eliminate your debt."

• If they say NO a second time: "Ok, well please feel free to call back when you have more time and we can check your eligibility then. Thank you. Have a good day"

When a customer is Disqualified for Debt Relief, they may still qualify for one of our Downsale options:

Affordable Care Act

Final Expense

Transition statement: "Okay, I see. Well, would you be interested in learning about new and affordable Life Insurance Policies that were just approved in your area?" If YES= Transition to FE Script/Qualifiers:

• 55-80 years old
• ZIP Code
• Active bank account
• Availability (5-10 minutes)

Transition statement: "I see. Ok well unfortunately, this disqualifies you for the Debt Relief programs we have available. HOWEVER, we do have some other programs that you may be interested in, would you be interested in learning about new and possibly FREE Health Insurance programs approved in your area?" If YES = Transition to ACA Script/ Qualifiers:

• No Medicare/Medicaid/SSDI
• No other healthcare coverage (TRICARE, VA, employer, marketplace)
• Income requirement ($14,000 - $50,000 yearly)
• ZIP Code
• Availability (5-10 minutes)

If NO = Pitch Final Expense Life Insurance

Debt Settlement Plan

Evaluation Cost

"Once we determine your eligibility, the debt settlement plan payments are typically about 2% per month of your total debt owed. So if you can afford at least $200 - $300 per month in payments towards your debt amounts then you should be able to eliminate your debt over time. We’d like to get you with our debt specialist though and they will give you specifics on what best fits your needs"

"This initial transfer to my debt specialist is for a NO COMMITMENT-absoloutely FREE evaluation to figure out if you're a good candidate for our debt-elimination process"

"Where are you located?"

"How did you get my information?"

We can share with the customer any location within the US that you've lived in before, or that you're familiar with:"I'm in California" (never mention calling from Mexico)

"We usually get your information from online requests that you make on a website."