##What services does The Mesquite Group, Inc. offer?
The Mesquite Group, Inc. is approved by the U.S. Trustee office in all jurisdictions except Alabama, North Carolina, and Oregon, to issue certificates in compliance with the bankruptcy code. The Mesquite Group, Inc. offers pre-filing credit counseling sessions by phone and post-filing debtor’s education by phone and by internet. We provide certificates for all clients within 24 hours of their completion of a session or course. We will send a copy of a client’s certificate to his/her Attorney’s office if the client provides us with his/her Attorney’s name and phone number. We send a copy to the client at their request. We also offer deferred billing to Attorneys who are interested in being billed for their clients’ services on a monthly basis. The Mesquite Group, Inc. does not offer debt management plans nor does it provide legal advice of any kind.
##Is The Mesquite Group, Inc. approved to do business in my state?
The Mesquite Group, Inc. is approved by the U.S. Trustee office to do business in all jurisdictions except Alabama, North Carolina and Oregon, to issue certificates in compliance with the bankruptcy code. A complete list of jurisdictions can be found on the U.S. Trustee website: http://www.justice.gov/ust/eo/bapcpa/ccde/docs/JudicialDistricts.htm
##How is The Mesquite Group, Inc. funded?
The Mesquite Group, Inc. is not affiliated with and does not receive any support from any bank, credit card company, collection agency, or creditor. The Mesquite Group, Inc. does not pay or receive fees or other consideration for the referral of students to or by The Mesquite Group, Inc.. The Mesquite Group, Inc.’s only source of income is from payments for services provided to those seeking financial counseling and education.
##How quickly can my client get an appointment?
We can schedule same day appointments as well as appointments for any business day in advance. Counseling appointments are available 8:00 a.m. to 9:00 p.m. CST, Monday through Thursday and 8:00 a.m. to 6:00 p.m. CST, Friday through Saturday. Debtor’s education classes are available over the phone at specific times each week: Tuesdays at 6:00 p.m. CST, Wednesdays at 6:00 p.m. CST, Thursdays at 6:00 p.m. CST, and Saturdays at 10:00 a.m. CST in English, and Saturdays at 12:00 p.m. CST in Spanish. The course is also available online 24 hours a day, 7 days a week. If there is an emergency situation call to let us know and we may be able to schedule an appointment for within 2 hours of your call.
##What types of payment do you accept?
We accept credit cards, debit cards, pre-paid cards, and e-checks by phone from clients. We also offer deferred billing for Attorneys that wish to pay for their clients’ services on a monthly basis. We accept credit cards, debit cards, pre-paid cards, and e-checks by phone as well as checks by mail for payments from Attorney offices.
##Who will conduct my client’s counseling session?
Your client’s session will be conducted by one of our professional Financial Counselors. Our Counselors have all been certified or accredited as a Personal Financial Counselor.
##Does The Mesquite Group, Inc. provide pro bono counseling?
Yes, The Mesquite Group, Inc. provides counseling and education courses to students without regard for a student’s ability to pay. A client is eligible for a pro bono session or class with The Mesquite Group, Inc. if he/she meets the poverty guidelines set forth by the government and/or is being represented by counsel pro bono. We also consider others for pro bono sessions and classes based on their financial situations. If you feel a client should be considered for pro bono based on his/her financial situation: contact our Customer Support and the case will be reviewed by management for approval.
##How does my client get approved for pro bono counseling?
In the event that a client meets the poverty guidelines set forth by the government they will need to submit documentation to show their proof of income. Acceptable documentation includes but is not limited to recent pay stubs, tax documents (W-2, 1099, etc.), Schedule I bankruptcy forms, and letter or statement of amount received for disability, child support, unemployment, or worker’s compensation. Documentation may be sent by email, fax, or mail. We may also verify a client’s income through their Attorney’s office. After speaking with a client’s Attorney’s office or reviewing their submitted documentation, a member of our Customer Service team will contact the client to inform them whether or not they are approved for a pro bono session or class.
##What if my client needs special accommodations?
We will always try our best to accommodate any client and work around any special circumstances. We strive to provide the best customer service. You or your client may call our Customer Service line and we will put you in touch with the best person to help based on the situation. Some of the special accommodations that we can make for clients include but are not limited to aiding clients who are hard of hearing, incarcerated, unable to speak, unfamiliar with the English language, or unable to actively participate in the session or class due to health or other issues.
##Do I have to register at The Mesquite Group, Inc.’s website to refer my clients?
No, it is not necessary to register at our website to refer clients to our services. If you would like to receive a copy of your client’s certificate after their session or class then we will need to collect your contact information. This may be done over the phone or by email.
##Do you have cards or brochures?
Yes, we have client information cards the size of a postcard available in English and Spanish. These cards have our contact information, customer service hours, and counseling session and education course times. Call or email us to request cards and we will mail them within one business day. If you take advantage of our deferred billing, we can also print your billing code on the cards to make referring clients easier. If you would prefer to print flyers/brochures yourself we have a document with the same information that prints two to a page.
##Does The Mesquite Group, Inc. offer services in languages other than English?
Yes, The Mesquite Group, Inc. offers counseling sessions and education courses in Spanish. We also have Customer Service Representatives that speak Spanish who can be reached by calling our Customer Service line toll free at 877-769-4069.
##Does The Mesquite Group, Inc. prepare debt management plans?
No, The Mesquite Group, Inc. does not prepare debt management plans, nor does it refer clients to any company providing debt management plans.
##Can you send me a copy of my client’s certificate?
Yes. If your client provides us with your name and phone number, we will call you to get your contact information and save it in our system. From then on, each time a client lists you as his/her Attorney, we will automatically send you a copy of the client’s certificate upon completion of the course.
##How do I get my client’s certificate?
You may receive your client’s certificate my email, fax, or mail. Once we have your contact information saved in our system we will also save your preference for how you would like to receive your clients’ certificates. From then on, each time a client lists you as his/her Attorney, we will automatically send you a copy of the client’s certificate upon completion of the course. Please contact us with your certificate instructions or register for our Attorney Portal online to receive your certificates quickly.
##How quickly can I get my client’s certificate?
Our policy is to issue certificates no later than the next business morning after the session is completed, by 12:00 p.m. CST. Certificates are issued during business hours (8:00 a.m. to 9:00 p.m. CST, Monday through Thursday and 8:00 a.m. to 6:00 p.m. CST, Friday through Saturday). If you are under a deadline, i.e. you must have your client’s certificate the same day he/she completes the session or class, you or your client may call our toll-free number at 1-877-769-4069 after they are registered and make arrangements with one of our staff to have the certificate sent immediately after the session or course is complete. If it is not communicated to our office during or after the client’s registration that the certificate is needed immediately, we cannot guarantee you will receive their certificate the same day they complete the session.
##What if there is a mistake on my client’s certificate?
Call any one of our phone numbers and let us know about the mistake and we will correct and resend the certificate to you right away. You may also email or fax your request for the certificate to be corrected. Emails and faxes will be returned within one business day. Email to email@example.com or fax to 817-857-3556.
##Can you change the date on an expired certificate?
No, unfortunately we cannot change the date on an expired certificate. According to bankruptcy regulations, a pre-filing credit counseling certificate is only valid for 180 days from the date that the counseling is completed.
##Who has access to the Attorney Portal?
The Attorney Portal is accessed by a Username and Password. Only one Username and Password are assigned to a firm or Attorney (based on how you receive certificates). Only the people with access to your Username and Password will be able to log into your account. When logged into your Attorney Portal account, you may only view information associated with your own firm and clients.
##What is Deferred Billing?
Deferred Billing is meant for Attorneys who wish to refer their client to our company and would like to be billed for those services on a monthly basis. With deferred billing, we assign you or your firm a Billing Code that is unique to you or your office (based on whichever works best for you). If you would like to be billed for a client’s session or course, give your client your unique Billing Code to use at the time of their registration. They may furnish the code while registering over the phone or online at our website. When a client gives us your billing code we will mark their payment as deferred, schedule their session or class, and send you an invoice for the fee at the end of the month. Our billing cycle begins the first day of each calendar month and ends on the last day of each calendar month. We can bill you or you can put a credit card on file and we can charge your account automatically at the end of each month. For more information please access Invoicing in our Attorney Portal or call our Corporate Office.
##How do I set up Deferred Billing?
You can set up deferred billing by registering online inside our Attorney Portal or by calling the Corporate Office. You will need to provide contact information and set a preference for invoicing.
##Why are you no longer accepting deferred clients from my firm?
We do not accept deferred clients from Attorneys who are past due on an invoice that is 3 months or older. Once the invoice is paid in full we can accept deferred clients again. Until then, the clients will have to pay for their own session or class. To pay an invoice or receive another copy of an invoice, please contact our Corporate Office.
##What is an expired registration?
Clients have 45 days from the date of their initial registration to finish their session or course. If they do not finish within that time frame, their registration is considered expired. Their registration is then cancelled and they forfeit their registration fee.