Kenneth Neil M. Lubaton

TYPES OF DOCUMENTS AND SALESFORCE CATEGORY  Scan and process all American Express & First National Bank of Omaha statements  All other creditor statements – scan if the statement has new charges. If no new charges – shred.  Data to Review:  Client  Account  Creditor  Current Balance  Document Date  Search Client information to find a match:  If a Match is Found to Client and Creditor, upload as “ O R I G I N A L C R E D I T O R S TAT E M E N T ” to the CC  If a Match is Found for Client but not Found for Creditor upload to DS as “ O R I G I N A L C R E D I T O R S TAT E M E N T – D E B T N O T I N C L U D E D I N P R O G R A M ” send copy to underwriting if balance is $500 and above.  If a Match is Found for Client and Creditor upload to CC as “ Z E R O B A L A N C E L E T T E R ” if the statement shows a zero balance. 2 Original Creditor Statement Sample Zero Balance Letter STATEMENTS – SAMPLES 33  Scan and process Collection Letters  Data to Review:  Client  Account  Creditor  Current Balance  Document Date  Search Client and Creditor to find a match:  If a Match is Found to Client and Creditor, upload to CC as “ O R I G I N A L C R E D I T O R S TAT E M E N T ” if the letter is from Original Creditor (i.e. Chase, Credit One, Capital One, Bank of America, etc.)  If a Match is Found to Client and Creditor, upload to CC as “ C O L L E C T I O N A G E N C Y S TAT E M E N T ” if the letter is from a Third Party Agency (i.e. Collection Bureaus, Agencies, etc.).  If a Match is Found to Client and Creditor, upload to CC as “ C O L L E C T I O N N O T I C E F R O M L A W F I R M ” if it is from a Law Office/Law Firm.  If a Match is Found to Client and Creditor, the letter is a collection letter and the account is already in “ C O M P L E T E D ” status and all payments on the settlement are paid, upload it to CC as “ C O L L E C T I O N L E T T E R O N PA I D O F F A C C O U N T ”  If a Match is Found for Client but Not Found for Creditor upload to DS as “ C O L L E C T I O N A G E N C Y S TAT E M E N T D E B T N O T I N C L U D E D I N P R O G R A M ” 4 Original Creditor Statement Sample Collection Agency Statement Sample COLLECTION LETTERS – SAMPLES Collection Notice from Law Firm Sample Collection Letter on Paid Off Account Sample (Account Status is Completed but the letter is still in collection) 55  Scan and process Tax Documents  Data to Review:  Client  SS #  Search client information to find a match:  If a Match is Found to Client upload to DS as “ 1 0 9 9 – I N T ” if the form is 1099 INT  If a Match is Found to Client upload to CC as “ 1 0 9 9 C – C A N C E L L AT I O N O F D E B T ” if the form is 1099C 6 1099 INT Sample 1099C Sample TAX DOCUMENTS – SAMPLES 77  Scan and process all NDR & LORG Agreements, Authorization to Communicate (ATC), Dedicated Account Agreement (ATD), Power of Attorney (POA), HIPAA Release, Secured Accounts Waivers, and Cancellation Notice forms.  Data to Review:  Client  SS#  Search client to find a match:  If Match is Found to Client and document is NDR Client Retainer, upload to DS as “N D R AGREEMENT SIGNED”  If Match is Found to Client and document is Gitmeid (LORG) Client Retainer, upload to DS as “G L S AGREEMENT SIGNED”  If Match is Found to Client and form is POA or ATC and client is NDR and form is completed with signature, upload to DS as “N D R W E T AT C ” Form states Authorization and/or Permission to Speak and Negotiate  If Match is Found to Client and form is POA or ATC and client is Gitmeid or LORG and form is completed with signature, upload to DS as “W E T P O A Form states “Authorization to Communicate and Negotiate”  If Match is Found to Client and form is POA or ATC and client is NDR or LORG and form is not completed or missing signature, upload to DS as “W E T P O A - I N C O M P L E T E ” Close RI if needed/fulfilled 8  If Match is Found to Client and form is POA and client is NDR and form is Notarized (with Seal) and Completed with Signature, upload to DS as “N O TA R I Z E D P O A - C O M P L E T E ”  If Match is Found to Client and form is POA and client is NDR and form is missing information (SSN, Signature, Name or Notary Seal), upload to DS as “N O TA R I Z E D P O A - I N C O M P L E T E ”  If Match is Found to Client and form is ATD – Dedicated Account Agreement, upload to DS as “AT D ”  If Match is Found to Client and form is HIPAA Release/Authorization to Communicate, upload to DS as “H I PA A D I S C L O S U R E ”  If Match is Found to Client and form is Secured Accounts Waiver, upload to DS as “S I G N E D WA I V E R ”  If Match is Found to Client and form is Notification of Cancellation Document, upload to DS as “C A N C E L L AT I O N ” change status to Pending Cancel if the client status is active. No need to change if the client status is Pending Cancel, Cancelled, or Dead Deal. Data to review: Date of the cancellation in the letter and Deals History in the History tab. 9 NDR Agreement Signed Sample – Contains Samples of all documents relating to NDR Agreement Section NDR & LORG DOCUMENTS – SAMPLES GLS Agreement Signed Sample – Contains Samples of all documents relating to GLS Agreement Section HIPAA Disclosure Sample Secured Accounts Waiver Sample 10 10  Scan and process all Add/Remove/Lower Debt Requests, Refund Requests  Data to Review (as available):  Client  Account  Creditor  Current Balance  Document Date  Search client to find a match:  If Match is Found to Client and document is requesting addition of a debt, upload to DS as “A D D D E B T - REQUEST”  If Match is Found to Client and document is requesting removal of a debt, upload to DS as “REMOVE DEBT - REQUEST”  If Match is Found to Client and document is requesting lowering of debt or a refund and is an active client, upload to DS as “R E F U N D R E Q U E S T – A C T I V E C L I E N T ”  If Match is Found to Client and document is requesting lowering of debt or a refund and is a cancelled client, upload to DS as “R E F U N D R E Q U E S T – C A N C E L L E D C L I E N T ” 11 Add / Remove Debt Request Sample Refund Request Sample CLIENT SUBMISSION DEBT / REFUND – SAMPLES 12 12  Scan and process all ACH Forms, Client Letters, Client Pay Stubs, Complete Account Number Documents, Death Certificates, Hardship Letters, ID Copies, SS Card Copies, SSI and Unemployment Proof Submissions.  Data to Review (as available):  Client  SS #  Search client to find a match:  If Match is Found to Client and form is ACH Form and is signed and complete, upload to DS as “A C H FORM - SIGNED”  If Match is Found to Client and form is ACH Form and is not signed or incomplete, upload to DS as “A C H FORM - UNSIGNED”  If Match is Found to Client and document is pay stub, upload to DS as “C L I E N T PAY S T U B S ”  If Match is Found to Client and document shows complete account numbers (i.e. credit card copies), upload to DS as “C O M P L E T E A C C O U N T N U M B E R S ”  If Match is Found to Client and document is death certificate, upload to DS as “D E AT H C E R T I F I C AT E ”  If Match is Found to Client and document is letter from client stating hardship, upload to DS as “H A R D S H I P ”  If Match is Found to Client and document is copy of ID card, upload to DS as “I D C O P Y ” 13  If Match is Found to Client and document is proof of address (i.e. bill that is not debt), upload to DS as “P R O O F O F A D D R E S S ”  If Match is Found to Client and document is social security card, upload to DS as “S S C A R D C O P Y ”  If Match is Found to Client and document is proof of Social Security, upload to DS as “S S I P R O O F ”  If Match is Found to Client and document is proof of Unemployment, upload to DS as “U N E M P L O Y M E N T P R O O F ”  If Match is Found to Client and document is a client letter not otherwise categorized, upload to DS as “C L I E N T L E T T E R ” 14 ACH Form Sample Client Pay Stubs Sample CLIENT SUBMISSION DOCUMENTS – SAMPLES PAGE 1 Complete Account Numbers Sample Death Certificate Sample Hardship Sample Proof of Address Sample 15 15 SSI Proof Sample Unemployment Proof Sample CLIENT PROOF SUBMISSION DOCUMENTS – SAMPLES PAGE 2 Client Letter Sample 16 16  Scan and process Settlement Offers, Paid in Full (PIF) Letters and Payment Processed Notifications  Data to Review (as available):  Client  Account  Creditor  Current Balance  Document Date  Search client and creditor to find a match:  If a Match is Found to Client and Creditor, upload to CC as “ S E T T L E M E N T O F F E R ” if the letter is offering reduced payment/settlement options. Assign task to Negotiator if the enrollment status and creditor status are both active and the date of the letter is within 90 days from today.  If a Match is Found to Client and Creditor and Client Settlement Letter states agreement confirmation with payment breakdown matching on the CC page and is completed and has signature, upload to CC as “C S L – SIGNED COMPLETE”  If a Match is Found to Client and Creditor and Client Settlement Letter states agreement confirmation with payment breakdown matching on the CC page and is not completed, upload to CC as “C S L – S I G N E D INCOMPLETE” 17  If a Match is Found to Client and Creditor and Client Settlement Letter states agreement confirmation with payment breakdown matching on the CC page and does not have signature, upload to CC as “C S L – UNSIGNED”  If a Match is Found to Client and Creditor, upload to CC as “P I F L E T T E R ” if letter states Settled in Full, Zero Balance, Satisfied/Resolved. 18 Settlement Offer Sample CSL Sample SETTLEMENT OFFER, PIF LETTER – SAMPLES PiF Letter 19 19  Scan and process Bankruptcy Letters  Data to Review (as available):  Client  SS #  Creditor  Current Balance  Document Date  Search client and Creditor to find a match:  If a Match is Found to Client and Creditor, upload to CC as “ C L I E N T H I R E D AT T O R N E Y F O R B K ” if the letter is from an attorney stating the client has filed for bankruptcy.  If a Match is Found to Client and Creditor, upload to CC as “ N O T I F I C AT I O N O F B A N K R U P T C Y F I L I N G ” if the letter is stating Notice of Bankruptcy Case Filing.  If a Match is Found to Client and Creditor, upload to CC as “ B K D O C F R O M C L I E N T ” if the letter is for bankruptcy documents submitted by a client.  If a Match is Found to Client and Creditor, upload to CC as “ N O T I C E O F D E FA U LT – N O N L E G A L ” if the letter is stating default or payment did not clear. 20 Client Hired Attorney for BK Sample Notification of Bankruptcy Filing Sample BANKRUPTCY LETTER – SAMPLES Notice of Default Non Legal Sample 21 21  Scan and process other documents  Data to Review (as available):  Client  Account  Creditor  Current Balance  Document Date  Search client to find a match:  If a Match is Found to Client and Creditor, upload to CC as “ W E L L S FA R G O L O A ” if the form is a Wells Fargo Authorization  If a Match is Found to Client, upload to DS as “ I L L E G I B L E D O C U M E N T ” if it is a document that cannot be read but client can be identified.  If a Match is Found to Client, upload to DS as “ WA G E A S S I G N M E N T – N O N L E G A L ” if it is a document stating wages have been assigned. 22 Wells Fargo LOA Sample OTHER DOCUMENT – SAMPLES Wage Assignment – Non Legal Sample (Account Status is Completed but the letter is still in collection) 23 23  Scan Legal Documents and email to Legal  Examples:  FDCPA Settlement Agreement  Judgement  Legal – Answer  Legal – Discovery  Garnishments / Liens  Hearings  Motions  Orders / Judgements  Legal – Other  Pre-Legal Tier  Legal Settlement Docs  Summons and Complaints  Letter of Representation  Stipulation  Stipulation for Dismissal 24 Legal Samples LEGAL DOCUMENTS – SAMPLES 25