Credit Card and Loan-Related Templates
Maintain the following templates for client communications:
- Keeping a Credit Card Template
- Looking for a Loan Template
- Dealing with Another Company Template
- Secured Card Templates
- HPI — Neo Secured Card (as of June 20, 2024)
- Scam/Verification Templates:
- Verify Harris & Partners
Scam Response Template
- Credit Score Templates:
Credit Scores & Ratings 1 HPI
Credit Scores & Ratings Harris & Partners
📧 Disclosure of Cash Income
Subject: Income Disclosure Confirmation
Dear [Client Name],
Thank you for the update.
Please note that for the cash income you are earning, we are required to disclose it as part of your financial information, even though you do not have formal proof.
We will mention that you receive $2300/month in cash without supporting documents.
Let me know if you have any questions!
Best regards,
[Your Name]
📧 Proceeding Without SIN
Subject: Proceeding Without SIN Number
Dear [Client Name],
Thank you for providing your bank statement and pay stubs.
Based on the documentation shared, we can proceed with your file even though you are currently in the process of obtaining a SIN number.
Please reach out if you need any further clarification.
Best regards,
[Your Name]
📧 Joint Proposal Attendance
Subject: Trustee Meeting Attendance for Joint Proposal
Dear [Client Name],
Thank you for your inquiry.
By law, in a joint consumer proposal, both parties are required to attend the trustee meeting.
However, I will check with the trustee if an exception can be made considering your work schedules and will get back to you shortly.
Best regards,
[Your Name]
📧 Banking Changes and New Account Setup
Subject: Important: Bank Account Change Before Filing
Dear [Client Name],
As part of the filing process, it is essential that you change your banking if your current bank is one of your creditors, or if you have auto-withdrawals linked to debts we are addressing.
Please ensure that you:
- Open a new bank account
- Transfer all your automatic payments and deposits (like rent, insurance, payroll) to the new account
- Close your old account if necessary to avoid future issues.
Let me know if you need help setting this up.
Best regards,
[Your Name]
📧 E-Transfer Caution on PAD
Subject: Important: Payment Method Reminder
Dear [Client Name],
If you have set up a Pre-Authorized Debit (PAD) for your proposal payment, please do not send any e-transfers without notifying us.
Unnotified e-transfers can cause payment overlaps, NSF fees, and administrative delays.
Please contact us if you need any assistance regarding your payment setup.
Best regards,
[Your Name]
📧 Forgotten Debt Addition
Subject: Adding New Debt to Your Proposal
Dear [Client Name],
Yes, it is possible to add a forgotten debt after your proposal is filed.
Kindly send us an email with the debt details ideally within 30–45 days from your filing date.
We will process the update accordingly.
Best regards,
[Your Name]