Please read the following statements carefully so that you will understand the procedures for your
session. Our hours of operation are 8:00 am – 5:00 pm, Monday – Friday. Appointments are available
some late evenings. Please call for dates and times. Classes for Bankruptcy and Financial Education
courses are available – please call for next class date and time.

Please read each statement below:
I understand Origin SC will provide a confidential, comprehensive, personal money management
interview and/or class.

I understand that a Certified Consumer Credit Counselor or a qualified professional counselor will conduct
the interview and/or class. The National Foundation for Credit Counseling (NFCC) and the South Carolina
Department of Consumer Affairs certifies all Origin SC credit counselors.

I understand that I will be issued a certificate upon completion of any course for financial education
training, pre-filing for bankruptcy counseling, and post-filing bankruptcy debtor education course required
by law, provided by Origin SC. These courses are offered regardless of the participant’s ability to pay.

Origin SC does not pay or receive fees or other considerations for the referral of clients for pre-filing
counseling or debtor’s education classes.

I understand that in the event that we are dissatisfied, we can utilize the Complaint Resolution
Process.

I understand that Origin SC has a “3 strike” policy in regards to client contact. If they attempt to contact
me three times without any success, my case will be closed out.

I understand that most of Origin SC’s funding comes from voluntary contributions from creditors who
participate in Debt Management Plans (DMP). Since creditors have a financial interest in getting paid,
most are willing to make a contribution to help fund our agency. These contributions are usually
calculated as a percentage of the payments I make through my DMP—up to 15% of each payment
received. However, my accounts with my creditors will always be credited with 100% of the amount that
I pay through Origin SC and Origin SC will work with all my creditors regardless of whether they
contribute to the agency. Other funding comes from fees paid by clients for services rendered.

I will be given an assessment outlining a suggested client action plan, which will be based on the
following options:
 Credit counseling services are not suitable for all consumers and that consumers may request
information about other ways, including bankruptcy, to deal with indebtedness; and
 Debt management services offered by the provider do not include secured debt, such as
mortgages, auto/boat loans, most student loans, child support payments and alimony payments.
 I will handle my creditors directly.
 I may choose to enroll in a DMP Program. Your DMP serves the dual role of helping me repay
my debts and helping creditors to receive the money owed to them. My participation in a DMP
will not change anything that is already on my credit report. If my credit report reflects that I
have paid creditors as agreed in the past, a DMP could have a negative impact on
creditworthiness decisions by potential creditors, landlords or employers in the future. In
addition, creditors may report that I am on a DMP and am not paying as originally agreed
although they have accepted the reduced payment. Origin SC has no responsibility or obligation
for any past, present or future credit ratings assigned to me by my creditors.