Hybrid Script 2.

Intro

Thank you for calling The Debt Relief, this is (Agents Name) on a recorded line. Who do I have
the pleasure of speaking with? (Allow Client to introduce themselves)

Hi, (Clients Name) looks like you're looking for some help on your debt. (Allow Client to
answer)

Ok, perfect I would be more than happy to assist you with that. Roughly how much would you
say you owe in total on your debt?

Fact Finding

“Is this debt all in your name or you and a spouse?”

“Are your current interest rates on these credit cards, greater, or less than, 15% on average?” (If
over, “OUCH that’s not a good thing!)

“And what is the current status of your accounts, Are you actively making payments or are you
falling behind?”

“Are you currently making just the minimum payments or are you paying more each month?”

***IF Yes On Just Minimum Payment***

Ok, has there been some recent financial hardship that is not allowing you to pay more?”

***IF Paying More***

Has there been some financial changes recently that will make it hard for you to continue doing
this?”

OK, and tell me, have you been able to maintain 3 to 6 months of emergency savings or have you
had to burn through that?

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Now, before we go any further, let me tell you a little bit more about our company so you know
who you’re speaking with. We are a full-service debt resolution firm who has helped thousands
of consumers become debt-free, by helping implement a plan that best fits their needs and goals.
In addition, we are accredited with the Better Business Bureau who we currently hold an A+
rating with.

With that being said (Clients Name), this process is pretty straightforward. My job here is to
help structure your application in the best way to get you approved for one of our debt relief
options. So, the first step is to conduct a soft credit pull which will help identify any debts you
are looking to get help with. So with your permission, I’ll gather a few more specifics regarding
your debts so that way we can get them pulled up, Ok?

Great, so to confirm your name is _____________, Can you please verify the spelling of your
First and Last name?

And what state do you currently reside in? To verify our state policies in (Clients State), what
would be a good physical address for you?

I’ll be sending you my direct contact information so that in the event we get disconnected, you
can get a hold of me directly. What would be a good email address to get that information sent to
you? (Send Info to Client)

Next is the date of birth that is associated with your debt.

And finally, what's the Social that is associated with your debt?

Ok, so that’s everything I need to conduct this soft credit pull. But before I do, I will need your
verbal authorization to do so. Do I have your permission to do so now? (Wait till client gives
you the Ok)

*****PULL CREDIT*****

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While waiting for your credit report to populate, let me ask, have you applied for a loan with
your local bank or any other lender recently? (Allow the client to answer) What were the
results? (If not, why not?) Have you been shopping for a loan for a while? (Allow the client to
answer)

Okay, I have your credit report now. I'll quickly go down the list of eligible accounts that we will
try to consolidate for you today. Let me know when you’re ready with that pen and paper. (Go
over eligible accounts and balances with the client and make sure to emphasize on accounts
that are closed, collections, over the limit)

(****If Debt is $7,500/Proper State Pitch Settlement, If not proceed with DMP (Pg.14)****)

Credit Analysis

So, based on the information you've provided, it seems that you currently have a total debt of
$(Clients Current Debt). Does that sound about right?

And it looks like you are currently paying a total of $(Current Minimum Payments) in just
minimum payments a month?

How many years have you been carrying this debt again? (Let client respond)

Ok, so you’ve paid these banks $______, 000 over the last ____ years and you still owe them
$____?!

It’s pretty shocking how much we pay in interest and very little towards the principal on these
types of debts, isn’t it?

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So, based on your current credit situation, the banks consider your credit as high risk and are not
offering upfront loans at the moment. Instead, they suggest focusing on reducing your debts and
payments to improve your credit score. Once your credit score improves, we can explore the
option of a loan to handle all your debts at once. This approach will help us get your credit back
on track. Does that make sense?

Now, the most important question is, after covering your home expenses, groceries, bills, cable,
cell phone, car payments, utilities, and everything else, how much money do you have left at the
end of the month? (Wait for response) I see, so with only $_____ left over, it becomes difficult
to afford paying 2 or 3 times the minimum payments, right? (Wait for response)

Budget

Just a reminder, my role here is to help structure your application in the best way possible to
increase your chances of approval. I'm confident that we can get you approved for something
today. With that in mind, the next step is to ask you a few questions about your monthly expenses
so we can complete your analysis. (Complete Budget)

So, the next step is for me to put you on a brief 2-minute hold. It takes a moment for the options
to load on my end. While you wait, please grab a piece of paper and a pen as I'll have some
information for you to write down. Alright, sounds good. Let me put you on hold briefly to
retrieve the quote. (Wait for response).

Plan Introduction

Okay, _____, I'm back. Are you still there?

Great, thank you very much for your patience. I have the quote ready for us. Did you manage to
grab something to write with? Before I explain what you could potentially be eligible for, let's
quickly review your current situation. Based on your total debt amount of $ (Client's Current
Debt), if you continue making only the minimum payments on these accounts, you'll end up
paying a total of $(Clients Current Payoff) due to the interest that keeps adding up. It will take
you 10-15 years to fully pay off this debt. The high-interest rates charged by the creditors allow
them to profit from you month after month.

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Considering the information you've provided so far, it's clear that there is an option that will put
you in a much better financial position than what you're currently doing.

The option we aim to get you approved for is called a Debt Resolution Plan. In this plan, banks
are willing to participate in an agreement that will waive 100% of the interest and fees, and
also reduce the principal balance of your debt. A Debt Resolution Plan has two main goals. First,
it aims to help you become debt-free as quickly as possible while saving you as much money as
possible. The second goal is to lower your monthly payment to a more manageable amount,
giving you some financial breathing room. Does all of this make sense so far?

This plan is designed to help people who are in circumstances similar to yours and are struggling
with their debts. It focuses on negotiating with your creditors and reaching agreements to reduce
your debts.

One unique feature of this program is that it works on a "pay for performance" basis. This
means that we are so confident in our ability to help you, that the only way we will get paid is if
we achieve results and successfully reduce your debts. Are you following me so far?

We have a proven track record of over 18 years in assisting individuals who are overwhelmed by
their debt. We have been successful in negotiating and settling debts like yours for significantly
less than the original amount, sometimes as low as 65 cents on the dollar, and without any
additional interest charges.

Let me give you an example to help you understand how this could work for you. Imagine you
currently have $(Clients Current Debt) in debt, and you decide to enroll in a (New Term)
month plan. At the end of this plan, all your accounts would be closed, and you would owe
nothing. It would look as if you faced some financial difficulties during a tough economic period,
but you managed to find a way to pay off all your debt on your own. Does that make sense?

New Payment Plan

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Under this plan your new monthly payment will be (New Payment), saving you $(Monthly
Saving) per month. That's $(Monthly Saving) you can use towards your other expenses or put
into an emergency savings. Additionally, you'll have an overall savings of $(Overall Savings),
since this option allows you to pay back only $(New Payoff) which include all fees and legal
services. Compared to the $(Current Payoff) you're currently on track for. This means you
could be free from this situation in ____ months instead of having to struggle with it for the next
15-20 years.

Now (Client Name) I know that was a lot of information all at once, especially hearing it for the
first time. Do you have any questions so far, or was that all pretty clear? I want to encourage you
to keep up the hard work and make the most of the savings you'll experience through this
program. It's important to consider setting aside as much money as you can in a savings account.
This will allow you to be prepared for unexpected expenses like birthdays, Christmas, or even
emergencies like flat tires. By having this savings buffer, you won't have to rely on credit cards
in the future. It's a great step towards financial independence and peace of mind.Ok

Now, that is assuming we are able to confirm your eligibility for the program which of course
would be the next step. So I want to go ahead and explain the last steps of the process and how
we confirm your eligibility and then we can go ahead and submit this to see if you are eligible.
So, the process of confirming your eligibility is done internally. It takes a few minutes for our
underwriting team to review your file and get back to me with an answer of whether or not you
are eligible to move forward. But before I send your file over for final review, my processing
team would like to know what exactly happened in your life respectfully that led you to
accumulate all this debt? (TYPE HARDSHIP)

I completely understand where you’re coming from (Clients Name); I hear these types of
circumstances all the time so believe me you're not alone. But, the good news is that we will be
able to use your current situation to help you get approved. Now (Clients Name), I wanted to
quickly talk about all your other options and why they may or may not work for you. First of all,
you can continue to do what you have been doing so far, but as you already mentioned your
payments are not getting you anywhere due to your high-interest rates.

So, even if you continue to make your payments on time your debt essentially isn’t going
anywhere and the balances pretty much remain the same. Now unfortunately if you continue

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down your current situation, it will take you 10-15 years to pay off the remaining balance of your
debt. So, we definitely want to get you away from your current path, which is why you are
speaking with me today, is that correct? Now (Clients Name), other than continuing to do what
you have been doing so far there are really only 3 other options that you may or may not have
considered.

Three Options

● Debt Consolidation Loans can be a good option if you qualify. It allows you to combine
all your debts into one loan, which could help you pay them off more easily. The ideal
scenario is if the loan can cover all your debts at once, lower your interest rates compared
to what you're currently paying, and not increase your monthly payments. However, at
the moment you are being viewed as a lending risk to these creditors. But the good news
is that the plan I am going to review with you will allow you to have a loan option in the
next 6-7 months which will allow your credit to heal more efficiently. Does that make
sense?

● The second option is a Credit Counseling Plan, which is provided by a company that is
not your creditor. This program can be helpful for many people. With a Credit
Counseling Plan, you make one monthly payment, and the company distributes that
payment to your creditors on your behalf. The company also negotiates with the banks to
lower your interest rates, which can save you money. But the challenge with this program
is that your monthly payments remain about the same or can possibly go up. Most people
I talk to are looking for their payment to go down, not up, which seems to be the case
with you, is that correct? Ok, let’s set this option aside for now.

Now (Client Name) your final option when it comes to resolving your debt is a plan we
specialize in which is known as a debt resolution program. Have you heard about this program
before?

***If Yes***

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Ok, what do you know about the program? That way I don’t repeat information you already
know. (Let client answer). Perfect, let me go ahead and fill in the blanks

***If No***

Ok, no worries, let me explain how the program works……

As I stated before a Debt Resolution Plan is a program that banks are willing to participate in an
agreement that will waive 100% of the interest and fees in addition to giving you a reduction on
the principal balance of your debt.

So, here's how the process works. We will be working closely with your creditors to negotiate a
favorable outcome for you. A certified negotiator will be assigned to your account and will
develop a strategy to settle your debts, including waiving 100% of the interest and fees, and
reducing the principal balance. The program typically lasts between 18-48 months, depending on
your debt amount and your ability to make monthly payments. Does that make sense?

You may be wondering why this program is so successful. It's because credit card companies
want you to keep making minimum payments for as long as possible, so they can continue to
profit from the interest charges. But when you enroll in our program, we'll change the way you're
making payments to show your creditors that you're serious about getting out of debt. Our
mediators have settled thousands of accounts and deal with millions of dollars worth of debt, so
you can trust that they know what they're doing. And the best part? You'll end up paying back a
fraction of what you actually owe, and be debt-free in just a few years. Are you following me so
far?

Trust Account

Now, let's talk about the trust account. As part of the process, your payments will be allocated

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into a secure trust account managed by Fourth, a reputable escrow servicing company. By doing
this, your creditors will see that no money is flowing into your accounts, making them more
likely to accept a settlement.This account serves a very critical role in the process because they
are able to show proof to your creditors that you’re saving funds in the account for the purpose of
settling this debt. I also wanted to mention that you have the option to pay more than the required
amount to pay off your debt faster. If you have some extra money and want to make a bigger
payment, just give us a call and we'll help you make those changes. You can also choose to make
a large one-time payment if you prefer. The important thing is that you have the flexibility to
adjust your payments as needed. Does that make sense?

Credit Impact

Now, you may see a dip in your credit at the beginning of this program. This is completely
normal. It’s a small step back to take a giant leap forward. Just remember that when we start
reducing these debts for you, you’re going to begin to see your credit improve. It just takes a
little bit of time to get there, okay. However, as you progress through the program, you may start
to see minor improvements in your credit. The most significant improvement will come upon
completion of the program when all your accounts are reported as paid with a zero balance.
Additionally, after making 6 on-time payments, you may become eligible for our Fresh Start
Loan (FSL), which can further assist in healing your credit by paying off the remaining balance
on your accounts. Does all of this make sense to you?

Final Approval

Alright, let me explain the next steps to you. The next step, I will submit your application to my
processing team for final review. Usually, it takes just a couple of minutes to determine if you're
eligible to proceed. If you are approved, we will move quickly to get you out of debt as fast as
possible. I will collect your banking information for payment processing and provide you with an
agreement that we will review together. Once we complete the agreement, I'll get you connected
with my QC department to make sure I did my job correctly and provide you with additional
information to ensure your success.

Now, there's a chance that your application may be denied, as with any approval process. If that
happens, I'll email you the reasons for denial and offer additional resources to help you get out of
debt quickly. However, my main goal is to get you approved today. Does that make sense?

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Before I submit your application for final review, let's discuss when it would be best for you and
your budget to have your first payment deducted. I have two options, (Date) and (Date) and any
date in between. Which one works best for you? I'll now submit your application, and hopefully
have some good news once I get back on the line. Please hold for 2-3 minutes.

Okay, I'm back. Are you still there? Great! Thank you for your patience. I have excellent news
for you. Congratulations, my team was able to confirm your eligibility into the program. So, in
the final steps, I'll gather some more information from you and send you a finalized agreement
via email today. Ok.

Your new monthly payment of (Monthly Payment) will be automatically drafted from either
your Checking or Savings account. Please let me know which one you'd like to use. Also,
provide me with the Routing Number and Account Number associated with your bank account.
Thank you for that information. Now, I just need to gather a few more details.

- What is your current marital status?

- Do you have any children or dependents?
- What is your employer's name?
- What is your current position?
- How long have you been in your current position?

ClixSign

Now, please check your email. You should have received an email from Via Clixsign titled
"(Client's Name) – Your Document With Consumers Alliance Is Ready For Signatures." Let me
know once you see it. Open the email and click on the blue button that says "Review and Sign
Now."

You'll see a box where you acknowledge that signing electronically is the same as signing
physically. Once you acknowledge, the system will prompt you to begin signing. Click on it. In
the next step, you'll see a red box. Choose "Type" to type your signature and then select "Adopt
& Confirm Signature."
The system will scroll to the next signature box, and you'll know you're done when you see the
message "All required fields successfully completed." Finally, click on "Finish Document."

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Once you click that, I'll receive a copy, and you'll get your copy in a separate email. Now before
going over the 9 compliance questions I want to ensure you have all my direct information, that
way any questions or concerns you have in the future, please, don’t hesitate in reaching out to
me. I am always available to you. (Provide client with your direct information)

QC QUESTIONS

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1. Do you understand that you are enrolling in this debt relief program
because you are in a true financial hardship?

2. Do you understand that we are not a credit repair company, and that
the program you are enrolling in is not a credit repair program?

3. Do you understand that we are not making monthly payments to

your creditors for you and that your monthly payment is
accumulating in an escrow account that we set up for you?

4. Do you understand that your plan term is just an estimation of how

long it will take to settle all your debt and that even though we do our
very best to achieve the best results we cannot guarantee a particular
result and most clients begin to see their first settlements around 4-6
months of their program?

5. Do you understand that your enrollment in a debt resolution

program does not eliminate the legal rights of a creditor or collector
to pursue legal remedies and that you may still receive calls from
them in order to collect that debt?

6. Do you understand that this debt relief program may have a negative
impact on your credit rating?

7. Do you understand that your personal involvement may be required

as part of the settlement process due to certain creditors being a little
more difficult to negotiate with than others, and as such you will still
give us the right to collect on our settlement fees?

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 8. Do you understand that some creditors may send a 1099-C form after
the debt has been settled due to the debt being considered as forgiven
debt?

9. Do you understand that maintaining consistent monthly payments is

vital to the success of this program?

Welcome Call

The last step would be for me to connect you with the QC department to ensure I did my job
correctly. Let me place you on a brief hold while I get us connected. (Do a warm transfer to
manager)

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 DMP Script 5.3

So the next step I will be placing you on a brief 2 minute hold. That way I can review your creditors
with my underwriting team to make sure we will be able to assist you with all these accounts. (Place
on brief hold and transfer information to LDF)

Going over your accounts on your credit report it looks like you have a combined balance of
$_____and your minimum payments are $_______ per month, does that sound about right? Now,
unfortunately, due to the high-interest rates that these creditors are able to charge you it will still take
you ___ years to pay off the remaining balance of your debt and you will end up paying an extra
$________ in interest. Does that make sense?

So the next step would be for you and I to go through a quick budget analysis in order to see what
the monthly payment and interest you could potentially be eligible for.

<Click & Review Clients Budget>

Ok, so that’s all the information I need to run you a quote. So the next step I’m going to place you on
a brief 2 min hold. It takes a few moments for the programs to populate on my end. In the meantime,
if you can please grab a piece of paper and a pen, I will have some information for you to write
down once I get back on the line.

<View Clients Plan Summary>

Great, thank you very much for your patience. I was able to get a quote pulled up here for us, were
you able to grab something to write with? So before I go over what you could potentially be eligible
for I want to quickly go over your current situation, so based on the total debt amount that you owe
of $ (Clients Current Debt) if you continue to just pay the minimum payments for the life of these
accounts you will end up paying a total of $_________, because of the accrued interest being
charged. And it will take you 10-15 years to get this debt paid off. Again, due to the high-interest
rates that these creditors are able to charge you, that way they can continue profiting from you month
after month.

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So based on the information you’ve given me so far, it definitely looks like there is a program that
will put you in a much better financial position than what you are currently doing now.

Now the program that we hope to get you approved for is our Debt Management Program. In this
program, we have pre-negotiated terms with these banks to reduce the amount of interest you are
currently paying. Now a Debt Management Program has two fundamental goals. First, is to
consolidate all of your payments into one affordable payment. And the second goal would be to
reduce your overall interest rates, that way you have the ability to get out of debt as quickly as
possible while saving as much as possible. Are you following me?

Now, if we are able to get you approved into the program your new adjusted monthly payment will
be $ _____ which already includes the state allowable monthly administration payment of $_____
and the PRC for $ _____ which ensures your affordability of the program on a monthly basis.
Now the full benefit of our program is that you are going to be completely debt-free in
approximately _____ years VS the _____ years you are currently on track for. And you are going to
save approximately $______ in interest.

Now (Client Name) I know that was a lot of information all at once, especially hearing it for the first
time. Do you have any questions so far, or was that all pretty clear?

Now, does this sound like a program that would put you in a much better financial position moving
forward? (GET THEIR BUY-IN)

Ok, so let me go ahead and explain the last steps that follow. The next step would be for me to
submit this for final review, which typically takes about 2-3 minutes for my processing team to let
me know whether or not you are eligible to move forward. Does that make sense?

Now realistically speaking (Clients Name) in the event you are approved to move forward, when
would it be ideal for you and your budget to have your first payment draft on. Any other questions
before I submit this over for final review. So let me submit this for final review, and hopefully have
some good news once I get back on the line, Ok. (**Place on hold 2-3 minutes**)

Ok _____, I’m back. Are you there?

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Perfect, thank you very much for your patience; I do have excellent news for you. Congratulations,
my team was able to confirm your eligibility into the program. So the last steps of the program as I
mentioned, I will be collecting some final information from you, then send you everything via a
finalized agreement that way you have everything in writing right away today. And then we will go
through a quick verification to ensure I did my job correctly. <Click Payment Schedule>

Now your new monthly payment of (Monthly Payment) will be scheduled on an auto-draft and can
be done on either a Checking or Savings account, which one would you like to use? (Let client
answer), And what would be the Routing Number of the bank that you would like to use, and finally
the Account Number that is associated with your account.

You do have a one-time enrollment fee of ____ and it will be drafted in the second month separately
along with your second payment.

I do want to let you know you’re responsible to maintain your payments directly to the creditors
until we receive your first full creditor payment. Cancel all automatic payments you have set in place
with your creditors. The creditors will close your accounts because the main goal is to get you
debt-free. Does that make sense?

(****If client is not able to maintain payments***)

If you cannot maintain your payments that is okay just be aware you will receive late fees until
proposals are accepted, but you will make that up a thousand times fold in the interest that you will
be saving. Does that make sense?

Now (Client Name) what is it that you do for a living, perfect, and the name of your employer. And
respectfully, what is your current marital status?

(**Once “Clients Information” is completed generate Request New Print Job/Generate State
Specific Only**)

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Now if you can please make your way to your email, you should have received an email from me
and it should say (Rep Name) – Your New DMP Agreement Is Ready, Let me know once you see it.
Go ahead and open it up and select the first blue hyperlink. Once the document loads up, go ahead
and select the “Shrink Contract Area” under where it says Consumer Alliance Processing. Then
scroll down until you reach a grey section, there should be 2 unchecked boxes. One says “I/We
Agree” and the other says “I/We Understand” make sure to click both boxes. Then you will have an
empty white box, that's where your signature will go. Once you finish signing there will be a third
box under the white box don’t select that one, it will cause us to restart everything. Then select “I
agree to the terms” all the way to the bottom, that will send me my copy and it will send your copy
to your email for your records.

<Refresh Client Status and make sure you get “Digital Signature Completed & PRC is
Included”>

Congratulations, I received the agreement back, the last step is a quick verification call it takes about
5 minutes, please hold while I get another rep on the phone

On the phone click HOLD, THEN TRANSFER, CONTACTS, VERIFICATION

Finally Hit “Dial with Customer”

Be ready to give them the LDF ID,

Once the rep is ready click HOLD

Introduce them then put your phone on mute

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