1870 W. Prince Rd. #39
Tucson, AZ 85705

Dear Client,

Congratulations! By enrolling with Visual Credit Counseling, Inc. you have taken the first step towards financial recovery! Visual Credit Counseling welcomes you to our company. As we discussed, your file has been forwarded to our Client Processing Center (all of the necessary information on Client Services is listed on the following pages). Their office is staffed with friendly and experienced representatives who are ready to assist you with any questions or problems that you might have.

The Client Services Representatives (CSR's) are trained professionals that will assist you in resolving any problems that you may encounter and will answer any questions that you may have. Due to the fact that CSR's will be working directly with your creditors, they will be able to assist you much more effectively than your original counselor. Therefore, from this point on, you should direct all future questions or concerns to the Client Processing Center at (877) 606-6144 and they will be more than happy to assist you.

We have provided you with a workable and affordable payment plan. It is now up to you to do your part on the road to financial well-being. This includes making timely payments and committing yourself to the completion of the program. This also includes monitoring your statements to ensure that you are receiving the benefits that you deserve. If you do not agree with something that appears on your statements, PLEASE CALL US IMMEDIATELY or send a copy of your statements to us. Please remember: we are here to help you resolve your debt situation! With hard work and dedication on both our parts, this WILL BE accomplished.

Included in this information package you will find a budgeting form. We highly encourage that you evaluate your household budget to further help you achieve more financial freedom. It may also help you to apply more money to your unsecured bills on the program. This, in turn, will help you eliminate your bills faster and may help to improve your credit.

Our staff is looking forward to working with you and we are confident that we can assist you in attaining your financial recovery goals. Please feel free to call the Client Processing Center with any questions or concerns. Thank you for allowing us to assist you with your financial needs.

Sincerely,

Visual Credit Counseling, Inc.

1870 W. Prince Rd. #39
Tucson, AZ 85705

 

From: Customer Service (877) 606-6144

Dear Client,

Congratulations on enrolling! We are confident that our program will prove successful in getting you out of debt much faster but during this brief delay we want to stress the importance of your active involvement to make our program a success. Please listen carefully to the five following requirements to help make the program a success for you.

1. Follow up with your creditors after the negotiation period

The number one most important step you can take is to call your creditors and follow up with them after negotiations approximately 30 days after you made your first payment. We negotiate with your creditors by sending formal contract proposals to them. We send proposals to your creditors within 5 business days of your remittance through the program. It is important that you allow 30 days from the time of your first payment for your creditors to respond to the proposals. It is normal for them to call during the negotiation period, however, it is very important that you call them approximately 30 days after your first payment to verify that they received and processed your proposals. Some creditors are more efficient than others when responding to the proposals. Your creditors receive thousands of proposals monthly, and it is possible that your proposal may not be processed in which case, the new benefits will not be applied. If after the negotiation period, your creditors claim that they did not receive a proposal, we will be more than happy to send another one but we will not know that they need another proposal unless you tell us. If they claim that your proposal was denied, it is important that you notify us so we can make the necessary adjustment to your account. We need your help to hold your creditors accountable for returning the proposals and ensure that they process the proposals that we sent. If your creditors continue to call after the negotiation period, it is important that you notify us of their calls. If they claim that they did not receive a proposal, get a fax number from them and we will be happy to fax or mail a duplicate proposal to them.

2. Adjust your payment due date with your creditors

Call your creditors and change your due date to 15 days after your due date through our program. It normally takes 5 business days after the receipt of your monthly payment to disburse to your creditors. Each of your creditors has a separate due date. Changing your due date will allow us to get payments to all of your creditors on time.

3. Respond quickly to Requested Adjustments to your Account

You may receive requests for additional information from us or requests for payment adjustments. Please respond quickly to these requests. To respond, we encourage you to use the automated options on the customer service menu of our phone system.

4. Monitor your monthly statements

To ensure that you receive the proper benefits, monitor your statements and make us aware of any discrepancies. Please be sure to have your monthly account statements available when you call.

5. Remember to include all the necessary information when sending your payments

When sending payments, please make sure you have included your social security number, your printed name and your address. Remember, we don't accept personal checks or cash, but will gladly accept a money order or a cashiers check.

Along with this letter from us, you should also receive an information package from your counselor. It is important that you review all the information in this mailing since it will prove to be helpful to you while you are a member of our debt management program. Thus far you have been in close contact with your counselor, but for the remaining portion of your involvement in our program we will be the people to contact. All of your paperwork has been forwarded to us and your counselor no longer has your information. Thanks for your active involvement and we look forward to helping you make this program a success.

Sincerely,

Customer Service
Visual Credit Counseling, Inc.
(877) 606-6144

IMPORTANT!

It is very important that you read and fully understand the following issues. If you have any questions or concerns, please call the Client Services Department and they will be happy to assist you.

1.) PLEASE REMEMBER, now that you are on the program, if any creditors call you, have them call our Client Services Department at (877) 606-6144 between 9AM-6PM EST Monday through Friday. If the creditor wishes for us to call them, you must call our Client Services Department and let them know. If you have any questions regarding your account, please call the Client Services Department.

2.) PLEASE REMEMBER, all payments must be made by cashier's check, certified bank check, or money order and your name, social security number and address must be clearly written on every payment. This will ensure prompt processing of your payment. We cannot accept personal checks. Any personal checks received will be returned.

3.) PLEASE REMEMBER that we cannot accept any partial payments unless you call customer service FIRST. If you cannot afford to send a full payment, do not send a partial payment without calling customer service for approval. Partial payments create tremendous problems in the accounting department and will be returned to you if you do not get prior approval.

4.) PLEASE REMEMBER that the negotiation process with your creditors takes approximately 20-30 days to complete. The negotiation period is necessary because it will ensure that your money is being applied at the more favorable rates that we attain for you. IF AT ALL POSSIBLE, WE ENCOURAGE YOU TO MAKE PAYMENTS TO YOUR CREDITORS DURING THE NEGOTIATION PERIOD. We have already processed your account and have sent proposals to the Consumer Credit Counseling, Specialty, or Customer Service departments at each of the credit establishments that we are handling for you. The proposals will indicate to the creditor what payment amount they should expect monthly and when they can expect to receive the payment. The Consumer Credit Counseling department will handle negotiations with us and they will also determine what benefits you will receive through our program. When the terms of the program have been agreed upon and payments are received, your creditors will place your account in a specialty status and collection efforts should cease.

5.) Keep in mind that we do not send proposals to the Collection departments at your credit establishments, so collectors may call during the negotiation period. If a creditor contacts you during the negotiation period, DO NOT BE ALARMED by their aggressive collection tactics. Simply refer them to our Customer Services Department at (877) 606-6144.

6.) PLEASE REMEMBER THAT THIS IS NOT A QUICK FIX. The negotiation process takes time to complete. Please keep this in mind if your creditors call you demanding a payment or they say they have not heard from us yet. The process is in motion as you read this!

7.) PLEASE REMEMBER that once the negotiation process is complete, your creditors may request slight increases on the proposed payment in order to satisfy their minimum requirements. These changes are most often the result of balance adjustments (i.e., interest changes, late or over the limit fees, finance charges, new purchases, etc.) REMEMBER, the proposed payments were calculated based on the information you gave us on your original application. A Client Services Representative will notify you if this applies to you. You will also receive e-mails and/or letters in the mail advising you or increase requests.

8.) PLEASE REMEMBER to contact us if your situation improves and you are able to manage a larger monthly payment. Larger payments to your creditors may improve your credit rating and will reduce your debt more quickly.

IMPORTANT!

We have already started the initial negotiations with your creditors and proposals have been mailed to each of them. As we discussed, your file and account information have been forwarded to the Customer Service Department. From this point on they will handle all of the final negotiations on your accounts, all of your future incoming payments, and all of the disbursements to your creditors.

If you have any questions regarding the program, or if you have any problems with your creditors, please direct all of your calls to the Client Services Department. They will be more than happy to assist you and they now have all the information regarding your accounts. Please do not call your original counselor with any questions or concerns regarding your account, as they no longer have access to that information. The Client Services Department phone number is:

(877) 606-6144

Please be sure to send your second payment and any future payments directly to Visual Credit Counseling, Inc. Payment Processing Center. Our address is:

VISUAL CREDIT COUNSELING, INC.
PAYMENT PROCESSING CENTER
1870 W Prince Rd #39
Tucson, AZ 85705

All future payments must be in the form of a cashier's check, certified check, or money order, made payable to: VISUAL CREDIT COUNSELING, INC.

IMPORTANT!

IF YOU HAVE INCLUDED ANY OF THE FOLLOWING CREDITORS OR ANY COMPANIES SERVICED BY THESE CREDITORS ON THE PROGRAM, IT IS VERY IMPOTANT THAT YOU CALL THEM TO HAVE YOUR DUE DATE ADJUSTED TO AT LEAST 15 BUSINESS DAYS AFTER YOUR DUE DATE WITH THE PROGRAM.

1. AFBA Industrial Bank
2. Associates Capital Bank
3. Balley's Master Card
4. Bally Total Fitness
5. Bank of Hawaii/Honolulu
6. BB&T (Branch Banking & Trust)
7. Carmel Finance
8. Chevy Chase Bank
9. Citicorp Retail Services
10. Dial National Bank
11. Direct Merchants Bank
12. Elan
13. Fidelity National Bank
14. First Bank Card Center
15. First Financial Bank
16. First National Bank of Marin
17. First of America Bank
18. First Tennessee Bank
19. First USA
20. Garden Way, Inc.
21. Household Financial Services (HFS-ITT)
22. Huntington National Bank- unsecured loans
23. Intrust Card Center
24. Mandee
25. Marks & Morgan
26. May Department Stores National Bank
27. MBNA
28. Mercantile Stores National Bank
29. Metris Company, Inc.
30. Montgomery Ward
31. Partnership Card Services
32. Pentagon FCU
33. PNC Bank- consumer loans
34. Sears
35. Signet Bank- install loans
36. Star Bank
37. Suntrust Bankcard
38. Travelers Bank
39. Union Planters Bank
40. United Consumer Financial Services
41. Wells Fargo

PLEASE NOTE: Creditor benefits are subject to change at the creditor's discretion.

DO'S AND DO NOT'S

DO	Let us know if there is a problem. A Customer Service Representative will be happy to assist you.
DO	Mail your payments promptly. They must be in Visual Credit Counseling's office by the monthly due date, no later.
DO	Inform Visual Credit Counseling of any changes in your name, address, marital status or employment.
DO	Inform us if the balances on your accounts are nearing zero.
DO NOT	Panic…we have been dealing successfully with creditors and clients for many years.
DO NOT	Miss payments. This will terminate agreements with your creditors and allow them to try to collect from you again.
DO NOT	Apply for additional credit without prior consent from a Customer Service Representative.

WHAT IF?

I need to speak with my original counselor?

Your account is now being handled by the Customer Services Department. Call (877) 606-6144 to speak with a Customer Service Representative. These lines are staffed by professionals who can answer or redirect any questions you may have.

My payment is unavoidably late or I cannot make a payment this month?

Please call the Customer Service Department at once! This allows us to monitor your promised date, and to inform creditors of your situation when they contact our office. Please note that creditors will start calling again if you miss more than one month.

I have extra money and want to pay my accounts off early?

We are as happy as you are when circumstances make this possible. Please contact the Customer Service Department and they will contact your creditors for the financial balances on all of your accounts. They will then arrange for an increase (or final) payment through Visual Credit Counseling.

I withdraw from the program?

This is a voluntary program on yours, the creditor's behalf, and ours. We discourage you from dropping off the program before completion. If you wish to drop off the program you must notify the Customer Service Department in writing. If you do drop off, all of your creditors will be notified and your payments and interest rates will revert back to the original amounts.

I lose my job?

Please call us!!! If you must miss two consecutive payments, it may be necessary to discontinue the program. When you have income again, you may restart after a review of your budget with a Customer Service Representative.

What to do if collection agencies continue to call you:

On the backside of this page is a "cease and desist" notice. The notice can be used to stop harassing phone calls from third party collection agencies. If you are being harassed by collection agencies after you have made your first payment on the program, please make photocopies of the following page, sign each one and mail a copy to each one of the collection agencies that are harassing you. Mail them to the addresses as they appear on your statements and place the proper account number on each notice that you send. Please remember that these notices can only be used to stop harassment from third party collection agencies. These notices cannot stop calls from original or primary card companies such as Visa or Master Card.

These notices let your collection agencies know that Visual Credit Counseling is now handling your accounts. Your collection agencies will no longer be able to place harassing calls to your home or work. Any correspondence regarding your accounts will then have to be done through Visual Credit Counseling or through the mail. This should make life much easier for you. If you have any questions on these notices, please call our Customer Service Department at (877) 606-6144.

If a particular collection agency continues to call you after the initial "cease and desist" notice is sent out, immediately send them another copy. This time, send the "cease and desist" notice to the creditor via certified mail, return receipt requested. Your return receipt is proof that the creditor received the "cease and desist" notice.

Once the collection agency has received the "cease and desist" notice, by law, they may only contact you once more to let you know how they plan to deal with your account. By that time we will be handling everything for you.

Cease and Desist Notification

THIS APPLIES TO THIRD PARTY COLLECTION AGENCIES ONLY

COMPANY NAME: ______________________________________

ACCOUNT NUMBER: ______________________________________

Dear Creditor:

You are hereby notified under provisions of Public Law 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any attempts to collect the above debt through direct contact with me.

Your failure to do so WILL result in charges filed against you with the state and federal regulatory agencies empowered with enforcement.

I (We) plan to fulfill my (our) obligations to your organizations as soon as it is feasible. Within a week you will be receiving a written payment proposal from a debt management firm. Your cooperation is greatly appreciated.

_________________________________________________________________

Signature

Printed Name

Date

_________________________________________________________________

Spouse's Signature

Printed Name

Date

 

Payment #1

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #2

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #3

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #4

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #5

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #6

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #7

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

Payment #8

Client Name(s):	__________________	SSN/ACCT #	__________________
Payment Amount:	__________________	# of Money Orders Enclosed:	__________________
Money Order#'(s):	__________________	Date:	__________________
* Please call or email Customer Service before sending an increase/decrease in your regular payment.
** Mail to: 1870 W Prince Rd #39,Tucson, AZ 85705
*** Please include Social Security or Account number on all money orders.
**** Remember, early & late payments will cause problems with your creditors.

 

How to Use Your Budgeting Form

You are now in the debt management program, but that is only the first step in becoming debt free. Your budgeting form will allow you to analyze exactly where your money is being spent and will help you develop a strategy to save even more. Used in conjunction with debt management, budgeting will help you accelerate debt repayment by enabling you to pay even more than you are through the program. Use the following 4 step process with the worksheets to determine your debt to expense ratio, and areas where you can save money.

Step #1 - Complete page 2 of the budgeting form. Page 1 is made up of income statistics and no frills or routine living expenses. When you have completed, you will be able to compare your income to your expenditures and make adjustments as you feel necessary.

Step #2 - Complete page 2 (Other Debt Worksheet) and transfer to the "Other Debt Payment Worksheet" section on page 1. Page 2 is where you list additional debts and miscellaneous bills that you may have. Include in this section your Visual Credit Counseling payment.

Step #3 - Complete page 3 (Money Gobblers Worksheet). Pay careful attention to areas or items on which you will be able to budget better. When you are finished calculating the total, transfer it to the "Money Gobblers" section of page 1.

Step #4 - Now that page 1 is completed, you can add up the total of your expenditures and compare it to your income. You may be surprised at how much you can actually save. If your expenditures are closer to your income than you would like, re-evaluate the budget form. Pay special attention to the "Money Gobblers" and determine if you can make cut backs or do without some of the items listed on the "Money Gobblers" page. Remember, the "Money Gobblers" should not be categorized as good or bad, approved or disapproved, but by evaluating how they eat up your cash flow, eliminating them may enable you to breathe easier financially.

The following items are also areas where you may be able to better budget by making adjustments in spending habits:

Food - Use coupons or take advantage of store sales. Be smart, and remember that now, more than ever, every penny counts. Make price comparisons from store to store. You may be able to benefit by purchasing non-perishable items in bulk.

Phone - Limit unnecessary long distance calls. Look for the long distance provider that offers you the most favorable rates. Often long distance providers will give you better rates on certain days of the week. For example, if a provider offers 10 cents on Sunday, limit your long distance calls to Sunday whenever possible.

Cable Bill - Analyze your cable package. Do you really need all of the channels that you are paying for or can you downgrade to a cheaper package?

Laundry/Cleaning - Be price conscious. Look for the cheapest dry cleaning service. Many dry cleaners will handle any item for only $1. When doing laundry try to wash full loads. Not only will you conserve water, but you may also be able to save on your electric bill. If you do not have a washer and dryer, consider paying for laundry by the pound instead of using coin-operated machines. It may be cheaper, and you won't have to do it yourself.

Entertainment/Vacation - Everybody needs a break once in a while. Analyze your entertainment and vacation expenses. Avoid paying long-term for a vacation that only lasts for a relatively short time. Can you go somewhere cheaper or closer and still obtain the desired "get away" that you need? Take advantage of travel packages and hotel promotions.

Books/Newspapers/Magazine Subscriptions - Analyze your incoming mail. Are you paying for periodicals that you no longer read or utilize? Watch out for passive subscription practices where magazines are sent to you and you are billed, despite the fact that you never wanted or requested them.

Gifts - Remember, it is the thought that counts. Try to avoid competitive gift giving. Set mutually agreed upon maximum amount for money spent on gift exchanges to family and friends. Consider "grab bags" or picking a name out of a hat at Holidays, as opposed to buying several gifts.

Medical Insurance - Double check to be sure you are not footing the bill for an expense that your Health Care Provider should be covering. When in doubt, appeal a denial on Health Care Coverage.

Home and Auto Insurance - Always shop around! There are often cheaper rates offered by other companies. Adjust your deductibles. Even though you will pay more in the event of a loss, you can reduce the premium paid for coverage. Remove a risk. Your insurance premium is bases on the "risk" of insuring you. If you have a riskier driver in your house (with prior accidents or convictions), consider getting a separate policy for them.

Visual Credit Budget Worksheet (Step 1)

Monthly Net Income (after taxes):		Amount:
1st Income:
2nd Income:
Public Benefits / SSI Benefits:
Disability / Workers Comp.:
Assets (retirement fund 401KI, 403B, stocks, etc.):
Equity (Home, rental properties, etc.):
Other:
Total Income:
Monthly Expenses:
Mortgages / Rent:
Food:
Water Bill:
Phone:
Cable Bill:
Gas Bill / Electric:
Auto Repairs:
Gasoline:
Clothing:
Budgeted Savings:
Entertainment / Vacation:
Books / Newspaper / Magazines:
Church / Charitable Donations:
Child Care:
Alimony:
Child Support:
Medical Expenses:
Renter's Insurance (or homeowner's if not part of mortgage):
Auto Insurance:
Life Insurance:
Educational Expenses:
Auto Loans:
Leases:
Home Equity Loans:
Student Loans:
IRS Payments:
Other Liabilities:
Total Expenses:

Step #2

Other Debts Worksheet- credit cards, secured loans, and other unsecured loans

OWED TO	BALANCE	MONTHLY PAYMENTS	DESCRIPTION OF COLLATERAL
		Total of Debt Payments:

Transfer the total Other Debt payments to the italicized "Other Debt Payments" line item on the Income and Expense Worksheet.

Step #3

Money Gobblers Worksheet

Here is a list of the potential money gobblers- things, which are likely to eat your cash flow. There is no intent to categorize these as good or bad, approved or disapproved. It helps to remind us of all those little expenses. You can add these up and place the total on Page 1 of the Income and Expense Worksheet under "Miscellaneous".

Aerobics		Coffee Expenses		Motor Bike Expenses
Anniversary		Computer Supplies		Movies
Antiques		Contact Lenses		Multi-level Marketing
Arts & Crafts		Cruising		Music Lessons
Auto Club		Diaper Service		Nights Out
Baby Pictures		Dietary		Paper Products
Baby Sitting		Dinners Out		Parking/Speeding Tickets
Bank Charges		Domestic Help		Pet Supplies
Batteries		Educational Sales		Photo Supplies/Film
Beauty Supplies		Encyclopedias		Plants
Beverages		Entertainment		Postage
Bike Access		Father's/Mother's Day		Races
Bingo		Fishing		Road/Bridge Tolls
Bottled Water		Fun Runs/10K		School Tuition/Meal Plans
Bounced Checks		Garden Supplies		Sick Leave
Bus Passes		Greeting Cards		Skating
Cable Channels		Gym/Weight Room		Slots
Car Pool		Hobbies		Small Appliances
Car Rental		Holiday Gifts		Sports/Sporting Events
Car Repair		Household Items		Stamps
Car Washes		Junk Food		Stationary
CD Clubs		Internet Access		Stereo Equipment
Cassette Tapes		Lessons		Summer Camp
Ceramic Nails		Liquor/Alcohol		Taxi Cabs
Child Support		Lottery		Tobacco
Child's Transport		Lunches		Trash Pick-up
Cigarettes		Magazines		TV Rental
Classes		Mail Orders		TV Shopping
Clothes		Make-Up		Vacation
Club Dues		Medications		Video Games
Totals 1:		Totals 2:		Totals 3:

Total 1:
Total 2:
Total 3 :
Grand Total:

Transfer Grand Total to Miscellaneous on the Main Worksheet

 

 

Please Read Carefully - Creditor Inquiry Form

During the 30-day negotiation period your creditors were sent proposals. This form should be submitted only after this process is complete. It is important to check your statements each month after negotiations are completed to insure payments are posting with your creditors. It may take up to 3 months for some creditors to reage your accounts and show benefits. If correct benefits are not being given after 3 months, complete the bottom section of this form immediately. If you are unsure when benefits should start showing on your statements, call Client Services.

After your account has been brought current, if you are receiving late fees, it may be necessary for you to contact your creditor to adjust your due date 15 days after your due date on the program. REMINDER: EARLY, LATE OR MISSED PAYMENTS can cause problems with your creditors. Please make your payments on or just before your due date each month.

Please fill out the form below with a copy of your most recent statement. Your creditors require us to have this information when contacting them. Your request can either be faxed to (240) 215-2295 or mailed to 1870 W Prince Rd #39,Tucson, AZ 85705 Attn: Creditor Inquiry Department. Please allow 10 business days for mailed request and 7 days for faxes to be processed before calling Client Services.

Client Name ___________________ Acct # __________________ Date ____________________

Home # ( )_______________ Work # ( )_____________________ Program due date _____________

*If your creditors are not sending statements, please call to get current account information from them. Request that they send monthly statements to you.

Creditor _________________ Last 4 digits of acct # ______________ Phone # ___________________

Type of problem: (Circle all that apply)

*Late Fee *Incorrect APR *Missing Payment *Creditor calling (date) ___________

*Current Statement info: Due Date ________Amount past due $_______ APR ______% Finance Charge $ ______

Comments: _______________________________________________________________________

Creditor _________________ Last 4 digits of acct # _______________ Phone # _______________

Type of problem: (Circle all that apply)

*Late Fee *Incorrect APR *Missing Payment *Creditor calling (date) ___________

*Current Statement info: Due Date ___________ Amount past due $_______ APR ______% Finance Charge $ ______

Comments: _______________________________________________________________________

PLEASE PRINT - Please make copies

JOINT PRIVACY NOTICE

Visual Credit Counseling, the company that administers the debt management plans for Visual Credit Counseling, are committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your personal financial information, such as total debt information, income, living expenses, and personal information concerning your financial circumstances will be provided to creditors and possibly others with your specific authorization. We may also use aggregated case file information for the purpose of evaluating our services, gathering valuable research information, and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances. In all other situations, your information may be released to appropriate individuals or agencies only upon your written request or when our staff has been served a valid subpoena. The following PRIVACY PRACTICES detail circumstances under which we will release your information to a third party: We do not disclose, nor do we wish the right to disclose, any nonpublic personal information about our clients or former clients to anyone, except as permitted by law. We may compile data and aggregate information that you give to us, but this information may not be disclosed in a manner that would personally identify you in any way. We may disclose some or all of the information that we collect, as described below, to creditors or to third parties authorized by you who need this information in order for us to assist you after a counseling session. We may disclose all of the information that we collect, as described below, to creditors and to financial management companies that need this information in order to put you on a Debt Management Program; and We restrict access to nonpublic personal information about you to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic personal information about you from the following sources: Information we receive from you on your applications or other forms you provide; Information about your transactions with us, your creditors, or others; and Information we receive from a credit reporting agency. We may disclose the following kinds of nonpublic personal information about you: Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income; Information about your transactions with us, your creditors, or others, such as your account balance, payment history, parties to transactions, and credit card usage; and Information we receive from a Credit Reporting agency, such as your credit history.