On one hand they want to attract business
and sell
mandatory pre-bankruptcy
credit counseling certifications but on the other hand they are naturally biased to direct people to avoid bankruptcy
and enroll into
debt management plans that generate revenue for the organization.
The first step in the mediation process is to provide the
mandatory disclosures, such as pay stubs, bank statements, tax returns,
credit card statements, retirement account statements,
and other assets
and debt statements.