A Debtors Responsibility when on a Counseling Program

• Provide creditor information to the agency, including the name of the creditor, the address, the account number, the balance, and the type of debt.
• Provide information about their household budget.
• Make payments on time and in full each month.
• Monitoring their monthly statements to verify that payments are being applied on time.
• Where applicable, the debtor is responsible for monitoring their monthly statements to ensure that their interest rates have been reduced, penalty fees are not being applied, and the accounts have been brought to a current status.
• Advise the agency when an account has been paid off.
• Remove credit insurance on credit card accounts