Creditor Information / TD Bank
| Telephone | 888-561-8861 |
| Payment Percentage of balance | 1.75% for TD Bankcards. 2.50% for TD Retail Cards |
| Payment Minimum Amount | $10.00 |
| Charge Free Period | N/A |
| Acct Required to be Open | 9 Mo for TD Bankcards; N/A for TD Retail Cards |
| CSP/Hardship programs | No |
| DMP Interest Rate | 0% |
| 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 | No |
| Due Date Changes | No |
| Charge Off Period | 120 Days |
| Drop Policy | Drops upon Charge Off |
| Internal hardship/ Promotion Policy | No info |
| Misc. Information | Current accounts are not eligible for DMP. Accounts must be 30+ days past due. Proposal will not be accepted unless verbal authorization or notarized signed authorization is received first. Have client call creditor to give authorization prior to sending proposal. |