USOBA Consumer SurveyUSOBA Consumer Survey

*

1. When did you begin the debt settlement program?

	MM		DD		YYYY
Began Program:	When did you begin the debt settlement program? Began Program: Month	/	Day	/	Year

*

2. Did you complete your debt settlement program?

Did you complete your debt settlement program?

3. When did you complete your debt settlement program?

	MM		DD		YYYY
Completion Date:	When did you complete your debt settlement program? Completion Date: Month	/	Day	/	Year

4. What is the name of the debt settlement company you used/are using?

What is the name of the debt settlement company you used/are using?

*

5. In what state were you residing at the time you entered the program?

In what state were you residing at the time you entered the program?

*

6. What is your household annual income?

What is your household annual income?

7. What is your age range?

What is your age range?

8. What is your occupation?

What is your occupation?

9. Are you male or female?

Are you male or female?

10. What is your highest level of education?

What is your highest level of education?

11. Are you:

Are you: Single

Married

Divorced

Widowed

12. Do you own your home?

Do you own your home?

13. How many total members are in your household, including yourself?

How many total members are in your household, including yourself?

14. How many dependents do you have?

How many dependents do you have?

15. Do you consider your program experience a success?

Do you consider your program experience a success?

16. Do you feel better able to handle your remaining or future debt?

Do you feel better able to handle your remaining or future debt?

*

17. What is the total amount of debt enrolled in the program?

What is the total amount of debt enrolled in the program?

18. How many accounts did you enroll in the debt settlement program?

How many accounts did you enroll in the debt settlement program?

*

19. Were you behind or missing your debt payments prior to starting the program?

Were you behind or missing your debt payments prior to starting the program?

20. Did you interview more than one debt settlement company?

Did you interview more than one debt settlement company?

21. How did you locate the debt settlement company(s) that you interviewed or chose?

How did you locate the debt settlement company(s) that you interviewed or chose?

Other (please specify)

22. What factors influenced your decision in choosing a debt settlement company? (check all that apply)

What factors influenced your decision in choosing a debt settlement company? (check all that apply) Location of the company

Total fees charged by the company

Schedule in which fees were charged

Percentage of savings quoted

Courteousness of representative

Length of time spent explaining the aspects of the program

Length of time company has been in business

Performance record reported by the Better Business Bureau

Performance record reported by other agency

Membership with a national trade association

Certified debt staff

Legal assistance provided if necessary

Other (please specify)

23. On a scale from 1-5, 5 being excellent, 1 being poor, how would you rate the following aspects of the debt settlement company you worked with?

	Poor	Fair	Satisfactory	Good	Excellent	N/A
Courteousness of company representatives	*On a scale from 1-5, 5 being excellent, 1 being poor, how would you rate the following aspects of the debt settlement company you worked with? Courteousness of company representatives Poor	Courteousness of company representatives Fair	Courteousness of company representatives Satisfactory	Courteousness of company representatives Good	Courteousness of company representatives Excellent	Courteousness of company representatives N/A
Thorough explanation of program	Thorough explanation of program Poor	Thorough explanation of program Fair	Thorough explanation of program Satisfactory	Thorough explanation of program Good	Thorough explanation of program Excellent	Thorough explanation of program N/A
Ability to reach customer service	Ability to reach customer service Poor	Ability to reach customer service Fair	Ability to reach customer service Satisfactory	Ability to reach customer service Good	Ability to reach customer service Excellent	Ability to reach customer service N/A
Issue resolution	Issue resolution Poor	Issue resolution Fair	Issue resolution Satisfactory	Issue resolution Good	Issue resolution Excellent	Issue resolution N/A
Timely return of calls	Timely return of calls Poor	Timely return of calls Fair	Timely return of calls Satisfactory	Timely return of calls Good	Timely return of calls Excellent	Timely return of calls N/A
Accuracy of percentages saved	Accuracy of percentages saved Poor	Accuracy of percentages saved Fair	Accuracy of percentages saved Satisfactory	Accuracy of percentages saved Good	Accuracy of percentages saved Excellent	Accuracy of percentages saved N/A

24. Disclosures – did company disclose the following information to you prior to signing an agreement with company? (Please answer Yes, No or Can not remember.)

25. Did the debt settlement company conduct a financial review prior to contract (this would include asking about your debts, your expenses, and your income)?

Did the debt settlement company conduct a financial review prior to contract (this would include asking about your debts, your expenses, and your income)?

26. Did the debt settlement company contract for services include the following?

	Yes	No	Do Not Recall	N/A
List of all debts to be included in the settlement program	*Did the debt settlement company contract for services include the following? List of all debts to be included in the settlement program Yes	List of all debts to be included in the settlement program No	List of all debts to be included in the settlement program Do Not Recall	List of all debts to be included in the settlement program N/A
List terms and conditions of services being rendered, including fees, estimated amount needed to fund settlement and estimated installments necessary to achieve that goal	List terms and conditions of services being rendered, including fees, estimated amount needed to fund settlement and estimated installments necessary to achieve that goal Yes	List terms and conditions of services being rendered, including fees, estimated amount needed to fund settlement and estimated installments necessary to achieve that goal No	List terms and conditions of services being rendered, including fees, estimated amount needed to fund settlement and estimated installments necessary to achieve that goal Do Not Recall	List terms and conditions of services being rendered, including fees, estimated amount needed to fund settlement and estimated installments necessary to achieve that goal N/A
State name, physical address and telephone number of company	State name, physical address and telephone number of company Yes	State name, physical address and telephone number of company No	State name, physical address and telephone number of company Do Not Recall	State name, physical address and telephone number of company N/A

27. Did company provide you with copies of all signed paperwork?

Did company provide you with copies of all signed paperwork?

28. Did company provide you with proof of settlements?

Did company provide you with proof of settlements?

29. Where did you remit funds for settlement?

Where did you remit funds for settlement?

30. Did a creditor file suit against you while in the debt settlement program?

Did a creditor file suit against you while in the debt settlement program?

31. Was this debt ultimately settled or forgiven without a judgement for garnishment or lien?

Was this debt ultimately settled or forgiven without a judgement for garnishment or lien? Yes

No

32. What hardship did you experience prior to seeking debt settlement assistance? (Check all that apply.)

What hardship did you experience prior to seeking debt settlement assistance? (Check all that apply.) Medical

Downsizing

Layoff

Job Loss

Divorce

Interest rates went up on all accounts due to one late or missed payment with a creditor.

Other (please specify)

33. What is the primary reason that debt assistance became necessary for you?

What is the primary reason that debt assistance became necessary for you?

34. If you cancelled the debt settlement program, how many accounts were settled prior to cancellation?

If you cancelled the debt settlement program, how many accounts were settled prior to cancellation? 0

1

2

3

4

5 or more

35. Would you refer a friend or colleague to this company?

Would you refer a friend or colleague to this company?

36. Did the value of service equal or exceed the amount of fees paid?

Did the value of service equal or exceed the amount of fees paid?

37. Did the debt settlement ultimately improve your financial situation?

Did the debt settlement ultimately improve your financial situation?

38. During your debt settlement program did you gain knowledge that will help you avoid financial trouble in the future?

During your debt settlement program did you gain knowledge that will help you avoid financial trouble in the future?

39. Please select all that apply to your debt settlement experience:

Please select all that apply to your debt settlement experience: Financial education program provided by company

Savings regimen

Company offered informative advice and tips through newsletter or publication

Company offered informative advice and tips on website

Company recommended a financial education program offered by third party

Company motivated you to remain out of financial distress

USOBA Consumer Survey
Exit this survey

1. Thank You for Participating!

	Yes	No	Do Not Recall	N/A
Total fee amount being collected by company	*Disclosures – did company disclose the following information to you prior to signing an agreement with company? (Please answer Yes, No or Can not remember.) Total fee amount being collected by company Yes	Total fee amount being collected by company No	Total fee amount being collected by company Do Not Recall	Total fee amount being collected by company N/A
Fee schedule	Fee schedule Yes	Fee schedule No	Fee schedule Do Not Recall	Fee schedule N/A
Projected percentage of settlement savings	Projected percentage of settlement savings Yes	Projected percentage of settlement savings No	Projected percentage of settlement savings Do Not Recall	Projected percentage of settlement savings N/A
Possibility of being sued by one or more creditor	Possibility of being sued by one or more creditor Yes	Possibility of being sued by one or more creditor No	Possibility of being sued by one or more creditor Do Not Recall	Possibility of being sued by one or more creditor N/A
Other debt solutions available	Other debt solutions available Yes	Other debt solutions available No	Other debt solutions available Do Not Recall	Other debt solutions available N/A
Right to cancel agreement	Right to cancel agreement Yes	Right to cancel agreement No	Right to cancel agreement Do Not Recall	Right to cancel agreement N/A
Fee accessed when agreement is cancelled	Fee accessed when agreement is cancelled Yes	Fee accessed when agreement is cancelled No	Fee accessed when agreement is cancelled Do Not Recall	Fee accessed when agreement is cancelled N/A
Refund policy	Refund policy Yes	Refund policy No	Refund policy Do Not Recall	Refund policy N/A
Estimated length of time in program	Estimated length of time in program Yes	Estimated length of time in program No	Estimated length of time in program Do Not Recall	Estimated length of time in program N/A
Company cannot guarantee to stop creditor calls	Company cannot guarantee to stop creditor calls Yes	Company cannot guarantee to stop creditor calls No	Company cannot guarantee to stop creditor calls Do Not Recall	Company cannot guarantee to stop creditor calls N/A
Non-payment to creditors may negatively impact your credit	Non-payment to creditors may negatively impact your credit Yes	Non-payment to creditors may negatively impact your credit No	Non-payment to creditors may negatively impact your credit Do Not Recall	Non-payment to creditors may negatively impact your credit N/A
Debt settlement is not credit counseling, debt consolidation, legal advice, credit repair or a loan	Debt settlement is not credit counseling, debt consolidation, legal advice, credit repair or a loan Yes	Debt settlement is not credit counseling, debt consolidation, legal advice, credit repair or a loan No	Debt settlement is not credit counseling, debt consolidation, legal advice, credit repair or a loan Do Not Recall	Debt settlement is not credit counseling, debt consolidation, legal advice, credit repair or a loan N/A
Forgiveness of debt over $600 may be reported to the IRS as income	Forgiveness of debt over $600 may be reported to the IRS as income Yes	Forgiveness of debt over $600 may be reported to the IRS as income No	Forgiveness of debt over $600 may be reported to the IRS as income Do Not Recall	Forgiveness of debt over $600 may be reported to the IRS as income N/A
Company will not be making regular payments to your creditors	Company will not be making regular payments to your creditors Yes	Company will not be making regular payments to your creditors No	Company will not be making regular payments to your creditors Do Not Recall	Company will not be making regular payments to your creditors N/A
All statements are estimates, not guarantees	All statements are estimates, not guarantees Yes	All statements are estimates, not guarantees No	All statements are estimates, not guarantees Do Not Recall	All statements are estimates, not guarantees N/A

USOBA Consumer SurveyExit this survey

1. Thank You for Participating!

USOBA Consumer Survey
Exit this survey