"CCDN Enrollment Manual" - ccdnscam.com

8/3/2019 "CCDN Enrollment Manual" - ccdnscam.com

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Debt Reconciliation Program

Enrollment Manual

Effective: April 2008


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Table of Contents

Description of Sections Page

CCDN Philosophy 3

Welcome to CCDN 4

CCDN Program Overview 5

CCDN Service Agreement & Application 7

Limited Power of Attorney form 12

Enrollment Instructions 13

How to avoid problems with your documents 16

Accounts Entering the Process 17

Account Cover Sheets 19

-Accounts with the original bank or creditor 20

-Accounts with 3rd party debt collectors 21

-Accounts in court with judgment, garnishment, etc. 22

Notice of Cancellation 23

CCDN Phone Log, Call Statement and Instructions 24

The Fulfillment Center Application 27

Conclusion/Wrap-up 28


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THE CCDN PHILOSOPHY

We believe the average consumers, who find themselves drowning indebt, deserve a second chance. We believe that given a second chance,consumers will not fall into the same credit card debt trap again.

We also believe that by suing the third party debt collectors, we are notonly protecting the precious rights of our clients, but also helping toreform the unregulated, OUT OF CONTROL collection industry.

It is our vision at the CCDN to provide a strong and effective defense forthe average consumer from the abusive tactics being practiced by thesethird party debt collectors.

Welcome to the CCDN Debt Reconciliation Program and the start ofyou getting a second chance!

CCDN Founders

Robert K. Lock, Jr. Philip M. Manger


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CCDN PROGRAM OVERVIEW

Welcome to the CCDN Debt Reconciliation Program. This process consists of three phases;each very important to the whole processes success and ultimate completion.

Please read over all the information in this manual very carefully as it is imperative that youfollow this exactly as it is written. Any error in the paperwork will only delay the overallprocess and the eventual outcome of the program.

Here is an overview of the three phases CCDN Debt Reconciliation Program.

Phase ICredit Restoration

Credit Restoration begins as soon as you enter our program and will continue for 24 monthsthereafter. Our experience is the majority of negatives will be removed from a typical customerscredit reports within the first 4 to 6 months of this process, but we will continue to challengeunverified information and monitor all customers credit reports for the full 24 months.

Once your paperwork is received at the CCDN Support Center, the support team will send yourcredit restoration application to The Fulfillment Center within two weeks. Following submission

of your application, The Fulfillment Center will then begin the process of credit restoration withyou by contacting you via e-mail.

We think the best understanding and description of the Phase I - Credit Restoration process canbe gleaned by listening to the recorded call at 641-715-3900, code 8464. You can also visit TheFulfillment Center website at www.thefulfillmentcenter.net for more information. Creditrestoration is their sole function in our process. Any questions other than credit restorationmust be directed to the CCDN Support Center only.

Phase IIReconciliation

Validation and Reconciliation also begins as soon as your paperwork is processed. The purposeof this phase is to create an administrative record and establish as much information as possibleas to the ownership and validity of the alleged debt.

The process works through two levels. First, we send out a series of proprietary letters at specifictimes to either the original creditor (OC) or the third party debt collector (3PDC) in an attempt tohave the OC or 3PDC provide validation of the alleged debt. If they are unable to do so, wedemand they zero out our customers account and mark it paid as agreed.


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Second, these letters are used to expedite the transfer of the account from the OC to the 3PDC atwhich time our correspondence is used to enhance our compliance audits in Phase Three.

Phase Two usually takes from 3 to 8 months depending on the status of the accounts when theindividual enters the program and the speed at which the various OCs and 3PDCs respond to ourcorrespondence.

When you stop paying the creditors, they will begin their collection efforts. These effortsinclude phone calls and letters. You will have to keep a log of the calls (we will provide youwith a form) and fax any collection items or letters you receive in the mail to the Support CenterASAP so we can send you the proper response. The same applies to ALL 3PDCs as well.

Also included in this program, is the education and the support documents to aid our Clientsagainst unlawful attacks of third party debt collectors. As CCDN does not work in the Statecourt level, only the Federal level, the client will use these documents to protect themselves fromthese unlawful attacks with the goal of preventing State legal action and potential judgments.

The creditors, and especially third party debt collectors, typically violate several laws designedto protect the consumer. To learn more about how collectors work, visit our web site atwww.ccdnlaw.com, click on the Education tab at the top and read the articles How DebtCollectors Work and Abusive Debt Collectors. Also, familiarize yourself with the Fair DebtCollections Practices Act, Fair Credit Billing Act and the Fair Credit Reporting Act found in theEducation Section on our web site, as well.

PHASE IIIFEDERAL LAWSUIT

The process of using the tool of a Federal Lawsuit begins at the completion of Phase Two. In

Phase Three, our paralegals conduct a compliance audit of each account for each customer.

They then use their completed audits to compose a solid Federal Complaint, which is then senton to one of our CCDN attorneys for filing in Federal Court.

The assigned CCDN attorney handles this matter from here. Our experience is these cases rarelygo to trial and usually settle over the phone usually within 1 to 2 months after the suit has beenpresented and/or filed.

Summary

The above overview of the three phases of the Debt Reconciliation Program can vary during theprocess but should remain fairly consistent to the final outcome. The outcome being your creditscores will dramatically improve and your debt resolved.

Again, please read the following instructions vary carefully and do not hesitate to contact theCCDN Support Team with any questions you may have in completing the documents enclosed.

By getting off to a good, clean start, we can make this a smooth and successful process and begingetting you back on the road to financial freedom.


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CCDN SERVICE AGREEMENT

The following enclosed documents are your CCDN Application and Service Agreement, whichcome with enrollment instructions to properly complete the documents. It is imperative thesedocuments are properly and completely filled out, as any missing information will slow down thedebt resolution and credit restoration process.

Depending on what status you enter the program under, whether you are current, late withpayments, in collection or in litigation, timing is critical and any delay can cause problems. Ifanything is unclear in completing these documents, please contact the CCDN Support Team at

(716) 257-5670 or e-mail us at [email protected].

Please note the instructions below as it is important that we receive the application with theproper initials as this is a legal agreement.

1. ATTENTION! Two people who are married or a blood relation is the definition oftwo (2) Clients. They, and only they, may submit their information together. Anyvariance of this definition must be submitted to and approved by the CCDN.

2. If you are a married couple, the joint accounts only need to be listed on the accountentering process list (Page 6). Sign the application.

3. All initials and signatures must be in original blue ink.THERE WILL BE NO EXCEPTIONS!!!

4. Enclose all completed documents along with the signed contract.

5. Mail all of your Enrollment & Service Agreement documents, such as yourenrollment package and anything else needed to support these documents to:

CCDN SUPPORT TEAM

Enrollment and Service Agreement23 S. Franklin StreetCattaraugus, New York

14719


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CCDN Debt Reconciliation Program Application

First Person (Last) ____________________ (MI) ______ (First) __________________________

Second Person (Last) ____________________ (MI) ______ (First) ________________________

Address ________________________________________________________________________

City _____________________________State________________ ZIP _____________________

County ___________________________________________ DOB _________________________

1st SS # __________________________ DL # ________________________ Exp. _____________

2nd SS # __________________________ DL # ________________________ Exp. ____________

Phone # ___________________________ Cell # ________________________________________

Email ___________________________________________________________________________

Referring Marketing Group Name: ________________________________________________

Total number of accounts being entered into the program

________ client(s), for ______accounts. (Put in the number of clients and total number of accounts here)

How long have you lived at your present address? ___ When was the last time you applied for credit? ______

I affirm that the information I have given on this application and any attachment is true and complete. I authorize theCCDN to verify this information and to ask for additional information from my employers and others concerningstatements I have made in this application. This is a legal binding contract between applicant (Customer) and theCCDN (Company) and all applicants must supply all necessary documents to complete the process. If applicantdoes not supply all required documents, within a reasonable timeframe, this contract will become null andvoid and no refunds will be allowed.

Your package Includes up to six accounts between one or two (married couple) clients. Each additional account aftersix will require an additional fee of $600.00 per account as charged to you by CCDN or its affiliates. Once youcomplete this agreement, no additional accounts can be added to the agreement. These additional accounts will needto be included in a new and separate agreement.

All original enrollment documents are included in this manual, including the documents to complete for the

information on the entered accounts. These documents must be completely filled out to the best of your ability.

Please be advised that there will be numerous documents that you will need to print out multiple times, such as theLimited Power of Attorney of Account Information, as CCDN will need one set of complete documents for eachaccount entered into the program.

Also included in this program, are the support documents to aid our Clients against unlawful attacks of third partydebt collectors. As CCDN does not work in the State court level, only the Federal level, the client will use thesedocuments to protect themselves from these unlawful attacks. In addition, the Client(s) will receive 25% of anyrecovered awards or settlements from the third party debt collectors.


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I understand that the CCDN will provide the following for each Client choosing to use its service:

Remember, you must initial each item below in blue ink.

I acknowledge, by my initials, that I understand the following statements:

________ 1. Provide educational materials to support the Clients ability to prepare and initiate any andall investigations with the respective agencies.

________ 2. Review all correspondence received by Client from each Respective Agency aspresented to the CCDN by the Client.

________ 3. Provide educational materials to assist the Client in responding accordingly to thecorrespondence received.

________ 4. The CCDN does not guarantee improvement of Clients past history or FICO score asmany factors beyond our control affect these items.

________ 5. The CCDN will use all means at its disposal within the law to conduct these services.

________ 6. The CCDN cannot enroll client accounts that were established as Business accounts regardless ifthese accounts were used for personal expenses and purchases. These accounts are not covered bythe FDCPA Federal laws.

________ 7. The CCDN can not enroll student loans into the process if they are Federally, State orgovernment backed or secured. These accounts are not covered by the FDCPA laws.

________ 8. The CCDN can enroll Student Loan accounts if that said account has been sold off to athird party debt collector and is solely owed by said collector.

________ 9. The CCDN cannot be held responsible if a client enrolled in the program does not participateby actively collecting FDCPA violations through the use of call logs, call statements and any andall written documents received from the Original Creditors and Debt Collectors.

The CCDN will provide the following for each Client choosing to use its service:

Remember, you must initial each item below in blue ink.

Client Agrees To: (You must initial each item below)

_________1. Use the CCDN or its affiliates to dispute negative items believed to be unverifiable,inaccurate or misleading and non-compliant from my credit reports.

_________2. Complete an application and provide the CCDN or its affiliates with a copy of my currentDrivers License, Social Security Card, and a verifiable form of current address and phonenumber (utility bill, Notarized Statement of Name & Address, Tax Form (W2) showing Nameand Address).


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_________ 3. Give the CCDN limited power of attorney to perform work in the Clients behalf.

_________ 4. Forward all copies of all correspondence from the Respective Agencies.

_________ 5. Inform the CCDN of any change of address, phone number or marital status.

_________ 6. Give CCDN the authority to contact the credit bureaus, creditors and collection agencies

directly.

_________ 7. I understand that I AM TO KEEP CURRENT ANY/ALL EXISTING ACCOUNTSTHAT I CHOOSE NOT TO PUT INTO THIS PROCESS.

_________8. I do hereby certify that it is my decision to enter into this agreement, I was not coerced inany manner and it was based solely on my own request for assistance.

_________9. I covenant and consensually agree to share any award or settlement money that this processmay bring with CCDN within ten days of receipt of said monies. Client and CCDN will receive25% each and the third phase attorney will receive 50% of said awards.

________10. I hereby certify that I have read all sections of this agreement, viewed and read all pages on our website and do hereby understand all of the covenants contained herein.

________ 11. I acknowledge that any and all legal costs related to State or Federal court filing fees regarding theCCDN program are the responsibility of the client and not CCDN.

________ 12. I acknowledge that Robert K. Lock, Jr. is not my attorney of record and that CCDN will only providelegal education and services with access to the CCDN affiliate attorney network within my state.

________ 13. I acknowledge that CCDN has agreed to refer an attorney through their affiliate network and that saidattorney has sole discretion in deciding to accept my case. CCDN holds no responsibility for anattorney who does not accept my case due to conditions out of the control of CCDN.

________ 14. I do hereby acknowledge that I understand that the CCDN Debt Reconciliation Program cannotaccept the enrollment of Business accounts as the FDCPA Federal laws do not cover these type

of accounts regardless if they were primarily used for personal reasons.

________ 15. I do hereby certify that the accounts I have enrolled into the CCDN program are not accounts thatwere originally opened as Business accounts and were not Business accounts that were dischargedand/or sold off to a third party debt collector and hold me as the personal guarantor.

________ 16. I do hereby acknowledge that I understand that the CCDN Debt Reconciliation Program cannotaccept the enrollment of student loan accounts that are Federal, State or government backed or securedas the FDCPA Federal laws do not cover these type of accounts.

________ 17. I do hereby certify that the accounts I have enrolled into the CCDN program are not accounts thatwere originally opened as government backed or secured student loan accounts and were notgovernment backed student loans that were discharged and/or sold off to a third party debt collector

for purposes of collection.

________ 18. I agree to follow the instructions of the CCDN staff and I will keep the CCDN staff apprised of allcommunications from all third party debt collectors (3PDCs) immediately. I understand that EVERYdunning letter/collection notice MUST be disputed within 30 days. Failure to timely dispute thedunning letter/collection notice within 30 days waives any FDCPA claim that may have existed inconnection with said suit.


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Limited Power of Attorney needed

The CCDN Debt Reconciliation Program requires that CCDN has your permission and theauthority to act in your name in dealing with creditors and third party collectors to facilitate theCCDN Debt Reconciliation Program.

By agreeing to, and signing, a Limited Power of Attorney for each account entering into theprogram, you give your legal permission to CCDN to do so on your behalf. By signing theDisclosure Statement below, you agree to provide CCDN with the Limited Power of AttorneyAgreement for each account entered into the program.

Note: Client must provide a separate Limited Power of Attorney Agreement for each accountentered into the program. The Limited Power of Attorney document is located on page 11 of thismanual. You will need to print out a separate, completed Limited Power of Attorney Agreementfor each account and have each one signed and notarized.

LEGALLY REQUIRED DISCLOSURE STATEMENT

YOU, THE CLIENT, MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TO MIDNIGHT OF THE

THIRD BUSINESS DAY AFTER THE DATE OF THE TRANSACTION.

I have read, understand, and agree to the above stated terms and conditions of service and payment.

______________________________________Signature of First Client Date

______________________________________Signature of Second Client Date

CCDN SUPPORT GROUP23 S. Franklin Street

Cattaraugus, New York 14719


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LIMITED POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS:

I, [CLIENT NAME ], of [CLIENT ADDRESS ],

hereinafter referred to as PRINCIPAL, in the County of _________,

State of ______________, do(es) appoint the Credit Collection Defense

Network (CCDN)as my true and lawful Attorney In Fact.

In principal's name, and for principal's use and benefit, CCDN is

authorized hereby to prepare and sign all documents written with the

intent of researching, challenging, negotiating, and otherwise

corresponding with creditors, debt buyers, debt collectors, law firms,

credit reporting bureaus and government agencies with respect to the

following matters:

1. All matters associated with:[Original Creditor Name];

Account # [xxxx-xxxx-xxxx-xxxx];

[Original Creditor Address]

The authority granted shall include all incidental acts as are

reasonably required or necessary to carry out and perform the specific

authorities and duties stated or contemplated herein, including, but

not limited to, the authority to: demand validation and verification

of any alleged unsecured debt or obligation, engage certified

paralegals and attorneys on principals behalf, perform legal

compliance audits and consumer claims identification, and refer any

valid claims to qualified legal counsel for negotiation and litigation

purposes related to the matters set forth herein;

Giving and granting to the CCDN full power and authority to do all andevery act and thing whatsoever requisite and necessary to be done

relative to any of the foregoing as fully to all intents and purposes

as principal might or could do if personally present.

All that the CCDN shall lawfully do or cause to be done under the

authority of this power of attorney is expressly approved.

Dated: ____________ /s/__________________

STATE OF ______________ )) JURAT

COUNTY OF __________ )

Subscribed and sworn to before me this ___ day of _____________ (YYYY)

___________________Signature of Notary


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CCDNENROLLMENT INSTRUCTIONS

Please go over the attached documents before you start filling them out! It is important youknow exactly what you are doing before you start completing them. Please read them numeroustimes so you understand what you are looking at and what you are going to do when youcomplete them.

You should also preview all of the documents before you start reading the instructions so youcan be familiar with the different documents needed for each type of account being entered.Then, when you complete everything, go over it one more time, just to be sure it is accurate.

1. Whether there are one or two clients, fill out one copy of the SERVICE AGREEMENT. Ifthere are two enrollees, fill out the 2nd person line and both people sign on the signatureblock. Please make sure you have filled in all the information requested of you in thesepages along with all signed documents requested.

2. Be sure to include your name, address, phone number and email address.

3. Make two (2) copies of the original, completed and signed SERVICE AGREEMENT.Make one (1) copy of your Account Cover Pages and all of the other documents you willbe sending to the CCDN Support Team for your personal records.

4. Attach a copy of the Account Cover Pages with supporting documents to the originalSERVICE AGREEMENTwith paper clips, NO STAPLES! Do not send originals of thesupporting documents.

5. PAPER CLIP the other copy of the SERVICE AGREEMENTtogether. Send the originalservice agreement with supporting documents and one copy of the service agreement toCCDN at:

CCDN SUPPORT TEAM23 S. FRANKLIN STREET

CATTARAUGUS, NEW YORK 14719

Note: The ORIGINAL, SIGNED SERVICE AGREEMENTmust be sent to CCDN.

6. VERY IMPORTANT: Keep one copy of everything you send to CCDN for your ownrecords so you can go back and reference them when needed. You will need these whenCCDN files the Federal Complaint in your name.

7. Please send a legible (preferably enlarged) copy of your Valid Identification Card(Drivers License, or Valid State Identification Picture ID) ANDarecent utility bill (cable,home phone, electric, etc.) showing your name and your current address,along with your


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other documents to CCDN.

8. When completing the SERVICE AGREEMENT, make sure you list every Account onthe Accounts Entering Process sheets. The primary account holder is the only personthat needs to list the joint accounts on their sheets. If you need more than one page,please make copies of the Account listing page you need for additional listings.

9. On the Accounts Entering Process sheet, list all the accounts you are enteringinto the program and note their number (1, 2, 3). We need the banks full name andaccount number listed on this sheet, do not use an abbreviated account number.

10. If you have more than 10 accounts entering, use another page and put a one (1) in front ofthe existing number. Make sure you sign and date all of these pages and send them inwith your other documents.

11. All the accounts submitted to the CCDN need an individual cover sheet with thecomplete banking information, a recent credit card agreement and any correspondencefrom the bank or collectors. Every account listed on the sheet must have a cover page

with it. No Exceptions!

12. Depending on the status of the accounts entering into the CCDN Debt ReconciliationProgram, you will need to complete the proper cover sheet from the available coversheets. You will need to choose from a list of cover sheets for Accounts With TheOriginal Creditor, Accounts With A 3rd Party Debt Collector or Accounts That AreIn Court.

13. Accounts With The Original Creditor A is the cover sheet you will use forany accounts that are with the original creditor such as the original bank or credit cardcompany. The majority of the accounts you are submitting into this process will use this

cover sheet as these are the accounts that are still at the bank. You will find most of theinformation you need to complete this form from the back of your bank statement.

13. Accounts With A 3rd Party Debt Collector B is the cover sheet you willuse for accounts that were placed with a 3rd party debt collector like a collections agencyor a debt collector law firm. Along with this form, you will need to include a copy of anarrative of all correspondence you had with this party such as letters, legal documentsand any logged phone conversations. Please create this in a step by step, dateddescription of what happened with each account.

SEND ANY AND ALL COPIES OF PRE-JUDGMENT DOCUMENTATION

WITH ANY ACCOUNT IN THIS STAGE OF THE PROCESS. THAT INCLUDESALL DOCUMENTATION FROM 3RD PARTY DEBT COLLECTORS,ARBITRATIONS, OR ATTORNEYS FOR THE BANK.

14. Accounts That Are In Court C is the cover sheet you will use for anyaccounts that went to court for any reason such as for Judgment, Garnishment, Levy orany other taking in process. If you have a Judgment and you are faced with a hearing forDiscovery of Assets or Garnishment or if other taking is in progress, please include anarrative of what transpired from the very first correspondence you received from theattorney to the present time.


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List every thing that happened such as phone calls, letters from the collectors, Summons,hearing dates, and whatever else you may have received or sent to the attorney. Send thisinformation along with the cover sheet- Accounts That Are In Court.

Then explain if any urgency is needed. Please include any approaching court or takingdates. Have all the documents that show Garnishment or Writ of Execution, hearing for

Discovery of Assets available in case you get a call from the CCDN staff.

FOR ANY ACCOUNT THAT HAS A JUDGMENT (POST-JUDGMENT) ISSUEDAGAINST IT, THAT DOCUMENTATION WILL BE REQUESTED AT A LATERTIME IN THE PROCESS.

WE ONLY NEED THE INFORMATION FROM EACH ACCOUNT THAT HASREACHED THE PRE-JUDGMENT STAGE OF THE PROCESS. THATINCLUDES ANY NEW ACCOUNT STATEMENTS AS WELL.

CCDN SUPPORT TEAM23 S. Franklin Street

Cattaraugus, New York 14719Email: [email protected]

Telephone: 716 257-5670

You may use U.S.POSTAL SERVICE, FED-EX, UPS or DHL. Please DO NOT requirea SIGNATURE for DELIVERY.

For your benefit, track the document so you know when it gets to the New York office.


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How to avoid problems with your documents.CCDN receives many sets of documents. In an effort to eliminate any slow down or problemswith the documents ensure the documents are complete; here is a list of problems that are likelyto occur with the paper work you submit:

The following list covers the most common and time-consuming deficiencies the CCDN isencountering with the packages. Please use this list as a last step checklist to ensure a fullycompleted and organized package is being shipped out by you.

1) Make sure all contracts are signed and initialed in all places in BLUE INK.

2) Make sure all pages of the Contract are included.

3) Each Account with Litigation or 3rd party collections needs a cover sheet and each coversheet must be filled out completely with all documents included.

4) Each Account should include a status description and a complete narrative with it.

5) Dont include numerous extra pages which were not requested, all of these have to belooked at, evaluated and either thrown out or put in the proper order.

6) Please sort all requested papers per account behind the correct cover sheet.

7) Please arrange all requested papers in dated order behind the correct cover sheet.

8) Include all additional documentation you received from any and all parties with theproper cover sheets for each level of entry.

9) Make a copy of each bank and creditor document and send the copy to CCDN. Keep theoriginals of all documents you send to CCDN.

10)Keep a folder for each account entered into the program with relevant documents sortedin chronological order by date of receipt. This will assist us when we communicate withyou regarding the account.

11)PLEASE DO NOT USE STAPLES WHEN SECURING YOUR DOCUMENTS!

The better organized you are the better we can help you in this process.


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ACCOUNTS ENTERING PROCESS

The CREDIT COLLECTIONS DEFENSE NETWORK will be using the list on page 17 as theprimary list for the accounts we will place into the Debt Reconciliation Program.

While we will automatically start processing your accounts from this list, you may have certainaccounts which are already advanced to a third party collector/lawsuit/arbitration stage that needto be flagged for our immediate attention.

The Account Cover Sheets listed as A, B & C are the pages that are referenced for this use. Byusing the correct account cover sheet, we can address these accounts quickly.

On the Accounts Entering the Process list, you will see the item number of the account on thatlist. Please make sure that number is to the left of the Account Name/Creditor Name andAccount Number # columns is placed in the appropriate spot on each cover sheet.

Fill in complete account name and account number and then place an A, B or C in the statuscolumn to signify what stage your account is in. A is for Accounts with the Original Creditor,B is for Accounts with the 3rd Party Debt Collector and C is for Accounts That Are in Court.

This table will help us identify which of your accounts require what type of urgent action. If youhave an on going lawsuit or a judgment, please indicate the case number in the spaces on eachcover sheet as well.

Send CCDN everything on the accounts entering the process including attachments such as bankstatements, original credit card agreements, and any letters from the credit card companies anddebt collectors. If in doubt, include a copy of it.

Thank you for your help in making this program successful.


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To: CREDIT COLLECTIONS DEFENSE NETWORK

For: _________________________________, and ________________________________ (Clients name)

I, the above listed names, wish to place into the CCDN Debt Reconciliation Program, the following Accounts.The primary account holder is the only person that has to list the joint accounts on this page. The informationconcerning these accounts is below. This needs to be filled out completely! Including the complete AccountNumber! (This page must be signed and dated by the client)

# Account /Creditor/Collector Name Complete Account Number (must have this) Debt $ Amount

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.


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IMPORTANT NOTICE! All accounts require a cover sheet, please fill out the proper cover sheet fromthe Account Cover Sheets selections, as described in the boxes above. Write a narrative of each accountdescribing what has taken place with that account from the very first communication from the bank aboutthe derogatory or past due account, step by step, Date by Date, to the present time.

List what information you have received from the bank, attorney, 3rd party debt collector, or the courts inthe order received so we have an idea of what has transpired since the beginning. Also list everything youhave sent to them about your account and combine that with the narrative and attach that information tothe cover sheet you provide for that account.

(If you have more accounts that you wish to submit, please duplicate this page and continue adding to the list.)

Signed: __________________________________________Date: _________________

Signed: __________________________________________Date: _________________


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Account Entering the Process Cover Sheet

With the Original Bank or Creditor

**Account # ___

ADDITIONAL Account InformationFor an Account Entering in the Process

Fill one of these pages out for each account going into the process that is presently with theoriginal creditor and is not covered by the two other cover sheet pages. Attach any additionalpapers pertaining to this account behind this page and paper clip or rubber band these paperstogether. Dont forget to put the Account # in the upper left hand corner of any additional pagesthat you are submitting on each specific account.

Client Name:

Bank Name:(Required)

Bank Billing Address:(Required)

Bank Dispute Address:(Required)

Account Number:

(Required)

Amount of Debt (Required) = $

Attorney Name or Collection Agency:(Required)

Attorney Name or Collection Agency Address:(Required)

If you went into Arbitration fill this out:Arbitration Firm Name:(Required)

Arbitration Firm Address:(Required)

Arbitration Case Number:(Required)

Arbitration Judgment:(Required)

Current Status:


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Account Entering the Process Cover Sheet

That are in court, ie: judgment, garnishment, etc.

**Account #_____

HOT!!!For Entering an Account that is at COURT, emphasizing a Judgment, Discovery of Assets,

Contempt, Garnishment or other taking in progress

Fill one of these pages out for each account going into the process that is in Court. Pleaseemphasize on this page anything listed above that is taking place. Attach any additional paperspertaining to this account behind this page and paper clip or rubber band these papers together.

Client Name:

Bank Name:(Required)

Bank Address:(Required)

Bank Dispute Address:(Required)

Complete Account Number:(Required)

Amount of Debt (Required) = $

Attorney Name:(Required)

Attorney Address:(Required)

Court Name:(Required)

Court Address:(Required)

Case Number:

Judgment (include copy) plus Writ of Execution/ Garnishment/ Liens/ Taking Bank Account, etc.

Urgent date pending:__________Hearing for Discovery of Assets__________Hearing for Contempt__________Execution for Writ of Garnishment__________Sheriffs Repossession or Sale Date

Current Status:


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NOTICE OF CANCELLATION

YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OROBLIGATION, AT ANY TIME PRIOR TO MIDNIGHT OF THE THIRD BUSINESSDAY AFTER THE DATE THE CONTRACT IS SIGNED.

IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILLBE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY THE COMPANY OFYOUR CANCELLATION NOTICE.

TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED AND DATED COPYOF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE TO:


Cattaraugus, New York 14719

NO LATER THAN MIDNIGHT OF __________________________(DATE)

I HEREBY CANCEL THIS TRANSACTION

____________________________ __________________________Clients Signature Date

________________________________ __________________________

Clients Signature Date


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CCDN Phone Log, Call Statement and Instructions

The following is a list of does and donts that should be read and keptavailable when debt collectors call. Included are a few things to say and not

say as well as a phone log to keep track of calls from collectors and a CallStatement that needs to be faxed to CCDN after every time you actually speak

with a debt collector or attorney directly.

REMEMBER: Debt Collectors have NO power and NO authority and shouldNEVER be trusted. They will lie and cheat you to get at your money.Remember, if its NOT in writing, its NOT a deal.

If you are CONTACTED by a bank, 3rd

Party Debt Collector or an Attorney:

1. NEVER give them your banking or credit card information. They willtake much more than you authorize.

2. NEVER do 'checks by phone' as debt collectors could empty your bankaccount, you have no recourse.

3. NEVER send them money via Western Union.

4. BEWARE: Paying a debt collector will NOT get an account removedfrom your credit. They do NOT have that ability.

5. RECORD conversations with the calling party (where legal) so they canbe held accountable for breaking the law. Is taping legal in your state?Go to the website http://www.rcfp.org/taping Can We Tape to see if it islegal in your state. DO NOT RECORD if your state does not allow it.

6. Always let them know that THIS CALL MAY BE RECORDED! Ifthey say you cant, tell them your state allows it if it does.

7. Cell phone voice mail and answering machine recordings are OK to use.

8. Is the debt still within your states statute for collection? Go to the

website: http://budhibbs.com/statute_of_limitations.htm9. NEVER acknowledge the debt or agree to repay it unless we instruct

you to enter into a payment plan.

10. Start a log and keep a record of every call you, your relatives, yourneighbors or your employer receives from the harassing party!!!

Use the following Log page to keep a record of all the harassing phone calls.


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25

CCDN PHONE LOG

PRINT OUT THIS PAGE AND KEEP A LOG ON EACH CALL RECEIVED FOREACH ACCOUNT IN THE CCDN PROGRAM!

Account Name: Collector Name:

# Who Called AM/PM called Spoke/Recording/Message? Call Statement Sent?1.____________________________________________________________________________2.____________________________________________________________________________3.____________________________________________________________________________4.____________________________________________________________________________5.____________________________________________________________________________6.____________________________________________________________________________7.____________________________________________________________________________

8.____________________________________________________________________________9.____________________________________________________________________________10.___________________________________________________________________________11.___________________________________________________________________________12.___________________________________________________________________________13.___________________________________________________________________________14.___________________________________________________________________________15.___________________________________________________________________________16.___________________________________________________________________________17.___________________________________________________________________________18.___________________________________________________________________________

19.___________________________________________________________________________20.___________________________________________________________________________21.___________________________________________________________________________22.___________________________________________________________________________23.___________________________________________________________________________24.___________________________________________________________________________25.___________________________________________________________________________26.___________________________________________________________________________27.___________________________________________________________________________28.___________________________________________________________________________29.___________________________________________________________________________

30.___________________________________________________________________________31.___________________________________________________________________________32.___________________________________________________________________________33.___________________________________________________________________________34.___________________________________________________________________________35.___________________________________________________________________________

Page _______ of ________


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26

CCDN CALL STATEMENT

CALL STATEMENT (for calls whereby you spoke with a collector)

Your Name:_________________ Bank: ______________ Acct. No. ______________________

Date of Call: _____________________Time of Call: _________________ Length of Call: __________Callers Name: ____________________________ Calling from (Company): ______________________Callers Phone Number: ______________________ Where were you called? _____________________

Did the caller? Yes No# OfTimes

Act disrespectful

Use Profanity

Threaten you physically

Threaten to talk to a 3rdparty

Threaten your property

Call repeatedly

Call you at work

Threaten criminal action

Call outside the hours of

Did you record the call?

What did caller say? ___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________How did you feel?_____________________________________________________________________________________

_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

PLEASE FAX THIS CALL STATEMENT TO CCDN IMMEDIATELY FOLLOWING EACH CALLFAX TO 1-518-907-4489


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Conclusion/Wrap-up

Now that you have completed all the required documents for the CCDN Debt ReconciliationProgram, double check everything and make sure you have a copy of everything for yourself.Remember, the documents must be accurate and complete.

Next, mail the completed packet to the CCDN Support Team at the address provided below.

Once we have your packet, we will enter your information into our database. Within a fewweeks we will send you the first set of replies with instructions. This is the first step of theprocess.

After we receive your second payment you will be contacted by The Fulfillment Center to beginyour Credit Restoration Program. All communications concerning credit scores and restorationshould be directed to them.

Any correspondence you receive from the banks and any 3rd party debt collectors should beimmediately faxed to the CCDN Support Team for review.

Remember to keep a phone log of all calls by using the Phone Log Kit included on page 24 ofthis package. This should not be faxed until we request it.

We would like all of our clients to know that expediting your case is important to us. Please

keep in mind your case is unique and different from every other case we handle. Therefore thespecific timeline could vary according to your situation. Please be patient and know our goal isto help you!

Again, if you have any questions, please contact the CCDN Support Team for advice andinstructions. The contact information is listed below:


Cattaraugus, New York 14719Email: [email protected]

Telephone: 1 (716) 257-5670Facsimile: 1 (518) 907-4489

Thank you for enrolling in the CCDN Debt Reconciliation Programand congratulations on a wise decision.

"CCDN Enrollment Manual" - ccdnscam.com

Documents

Transcript of "CCDN Enrollment Manual" - ccdnscam.com