Interest Media Debt Relief Checklist

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Training & Development

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

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

"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)

"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)

"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)

Customer availability

INCOME

ENROLLMENT STATUS

AFFORDABILITY

DEBT AMOUNT

DEBT TYPE

"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)

iNTEREST MEDIA Debt verification checklist

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COMPANY NAME

Training & Development

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."

MAIL/EMAIL REQUEST

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

INFO SOURCE/LOCATION

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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

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

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

"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"

DOWNSALES

cost Quote

Company name

IF nOT iNTERESTED

DEBT REMINDERS

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.

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:

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"

Final Expense

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

Affordable Care Act

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)

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

Evaluation Cost

Debt Settlement Plan

"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"

"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"

"How did you get my information?"

"Where are you located?"

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

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)