Creditor Information / Target
| Telephone | 866-474-4680 or 888-755-5856 |
| Payment Percentage of balance | If account has not been on a short tem payment plan with creditor, 1.9% of balance. If account has been on a short term payment plan, 2.35% of balance |
| Payment Minimum Amount | $10.00 |
| Charge Free Period | 1 mo |
| Acct Required to be Open | 9 Mo |
| CSP/Hardship programs | No |
| DMP Interest Rate | 4% |
| Waive late fees | Yes |
| Waive over limit fees | Yes |
| DMP benefits begin | Upon proposal acceptance |
| Re-Age | Yes, automatically after third accepted DMP payment, if eligible |
| Restructure | No |
| Recall | Yes, unless account is placed with Asset Acceptance, Portfolio Recovery, or Arrow Financial (which is now Resurgent) |
| Due Date Changes | No |
| Charge Off Period | 120 Days |
| Drop Policy | 2 consecutive missed payments or 4 missed/partial payments over the life of plan. |
| Internal hardship/ Promotion Policy | No info |
| Misc. Information | Only fax proposals if DMP department request it. Generally when an account is in Pre Legal/Legal Fax #: (612)-307-8309 |