Date

$
$

Name:

Jane Doe

Phone:
Address:

(555)875-5512

123 Debt Free Ave.

Anytown, USA

$
$
$
$
$

Credit
Scores
Name:Jane Doe
Name:

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

TU
672
0

Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

8,200.00
2,260.00
1,000.00
900.00
600.00
3,450.00
500.00
16,910.00

Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

7,375.00
1,870.00
775.00
810.00
540.00
3,450.00
500.00
15,320.00

Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

7,375.00
1,870.00
775.00
338.00
3,450.00
500.00
14,308.00

EF
660
0

2,810 Gross Income

2,248 Monthly Net Income
45.00% Factor
115,000 Home Sales Price
113,223.02 Mortgage Loan
3,450.00 Down Payment
1,590.00 Start up Plan Payment
1,012 Monthly Plan Payment
16,910 Total Debt to Include Collections

EX
647
0

January-05
Payment
Debt Remaining
$
825.00 $
7,375.00
$
390.00 $
1,870.00
$
225.00 $
775.00
$
90.00 $
810.00
$
60.00 $
540.00
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
500.00
$
1,590.00 $
15,320.00
February-05
Payment
Debt Remaining
$
$
7,375.00
$
$
1,870.00
$
$
775.00
$
472.00 $
338.00
$
540.00 $
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
500.00
$
1,012.00 $
14,308.00
March-05
Payment
Debt Remaining
$
$
7,375.00
$
412.00 $
1,458.00
$
600.00 $
175.00
$
$
338.00
$
$
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
500.00
$
1,012.00 $
13,296.00

and Down Payment

17 Total Months to become Debt
Free and have down payment

for home

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

3
3
3
3
3

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
0
0
16
27

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
3
8
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

7,375.00
1,458.00
175.00
338.00
3,450.00
500.00
13,296.00

Balance
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

6,550.00
1,271.00
175.00
338.00
3,450.00
500.00
12,284.00

Balance
$
6,550.00
$
259.00
$
175.00
$
338.00
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
500.00
$
11,272.00

April-05
Payment
Debt Remaining
$
825.00 $
6,550.00
$
187.00 $
1,271.00
$
$
175.00
$
$
338.00
$
$
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
500.00
$
1,012.00 $
12,284.00
May-05
Payment
Debt Remaining
$
$
6,550.00
$
1,012.00 $
259.00
$
$
175.00
$
$
338.00
$
$
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
500.00
$
1,012.00 $
11,272.00
June-05
Payment
Debt Remaining
$
$
6,550.00
$
259.00 $
$
175.00 $
$
338.00 $
$
$
$
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
240.00 $
260.00
$
1,012.00 $
10,260.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

3
1
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
8
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
2
2
11
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

July-05
Balance
Payment
Debt Remaining
$
6,550.00 $
1,012.00 $
5,538.00
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
10,260.00 $
1,012.00 $
9,248.00
August-05
Balance
Payment
Debt Remaining
$
5,538.00 $
1,012.00 $
4,526.00
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
9,248.00 $
1,012.00 $
8,236.00
September-05
Balance
Payment
Debt Remaining
$
4,526.00 $
1,012.00 $
3,514.00
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
8,236.00 $
1,012.00 $
7,224.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

October-05
Balance
Payment
Debt Remaining
$
3,514.00 $
1,012.00 $
2,502.00
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
7,224.00 $
1,012.00 $
6,212.00
November-05
Balance
Payment
Debt Remaining
$
2,502.00 $
1,012.00 $
1,490.00
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
6,212.00 $
1,012.00 $
5,200.00
December-05
Balance
Payment
Debt Remaining
$
1,490.00 $
1,012.00 $
478.00
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
$
3,450.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
$
260.00
$
5,200.00 $
1,012.00 $
4,188.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

4
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

January-06
Balance
Payment
Debt Remaining
$
478.00 $
478.00 $
$
$
$
$
$
$
$
$
$
$
$
$
$
3,450.00 $
274.00 $
3,176.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
260.00 $
260.00 $
$
4,188.00 $
1,012.00 $
3,176.00
February-06
Balance
Payment
Debt Remaining
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3,176.00 $
1,012.00 $
2,164.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
3,176.00 $
1,012.00 $
2,164.00
March-06
Balance
Payment
Debt Remaining
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
2,164.00 $
1,012.00 $
1,152.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
2,164.00 $
1,012.00 $
1,152.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

2
2
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL
Debt
CAR
LOAN
DEPT. STORE
VISA CARD
MASTERCARD
DOWN PAYMENT

COLLECTIONS
TOTAL

April-06
Balance
Payment
Debt Remaining
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1,152.00 $
1,012.00 $
140.00
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
1,152.00 $
1,012.00 $
140.00
May-06
Balance
Payment
Debt Remaining
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
140.00 $
140.00 $
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
140.00 $
140.00 $
June-06
Balance
Payment
Debt Remaining
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
-

CONGRATULATIONS MS. DOE!!!!!

IT TOOK A TOTAL OF 17 MONTHS TO GET YOU COMPLETELY OUT OF DEBT
AND SAVE FOR THE DOWN PAYMENT.

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Mthly Pmt
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

275.00
130.00
75.00
30.00
20.00
530.00

Months

Payoff Date

0
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

0
0
0
0
0

PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF
PAID OFF

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!

Months

Payoff Date

#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!
#DIV/0!