Testing Plan

Table 1
#

ID

1
2
3
4
5
6
7
8

X_3
X_10
C_3
C_10
W_3
W_10
AC_3
AC_10

9
10

AW_3
AW_10

11

12

13

14

R1_10

3 year or 10
year debt?
1/2 3 yr
1/2 10 yr
1/2 3 yr
1/2 10 yr
1/2 3 yr
1/2 10 yr
1/2 3 yr
1/2 10 yr
1/2 3 yr

Gex_10
Gex_3

The law limits how long you can be sued for a debt. Because of the age of this debt, we will not sue you for it.
According to the law, you can't be sued for debts over a certain age. Because of the age of this debt, we cannot sue you for it.
According to the law, you can't be sued for debts over a certain age. Because of the age of this debt, we will not sue you for it.
The law limits how long you can be sued for a debt. Because of the age of this debt, we cannot sue you for it unless you make
a payment or acknowledge it in writing.

All 10 yr

The law limits how long you can be sued for a debt. Because of the age of this debt, we will not sue you for it. Take note: You
can renew the debt and the statute of limitations for the filing of a lawsuit against you if you do any of the following: Make any
payment on the debt, sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; Sign
a paper in which you give up or waive your right to stop the creditor from suing you in court to collect the debt.

All 10 yr

The law limits how long you can be sued for a debt. Because of the age of this debt, we will not sue you for it. Even so, you
may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt,
promise to pay the debt, or waive the statute of limitations on the debt, the time period in which you can be sued may start
again.

All 10 yr

The law limits how long you can be sued for a debt. Because of the age of this debt, we will not sue you for it. Even so, you
may CHOOSE to make payments. However, BE AWARE: if you make a payment [or acknowledge in writing that you owe the
debt], our right to sue you to make you pay the entire debt may START AGAIN.

All 10 yr

The law limits how long you can be sued for a debt. If you do nothing in response to this notice, we will not sue you to collect
this debt. This is because this debt is too old. BUT if you make a payment or acknowledge in writing that you owe this debt,
then we can sue you to collect it.

R4_10

16
17

The law limits how long you can be sued for a debt. Because of the age of this debt, we cannot sue you for it.

All 10 yr

R3_10

R5_10

N/A

1/2 10 yr

R2_10

15

Disclosure language to be tested

1/2 3 yr
1/2 10 yr

N/A
N/A

Call out box:

[TEXT]

Above: The “call-out” box in which the disclosures tested in Table 1 will be tested.

Above: BCFP Model Notice

1780 North Main Street
Pasadena, California 91107

Northern Financial Group
www.NFG.com

[INSERT DATE]

Creditor: Elm Bank

Address Service Requested

Account No.: 56643-134-11145
Amount Due: $1,547 as of 4/17/13
Telephone: (866) 555-1413

[INSERT PARTICIPANT NAME]
5429 Campbell St.
Unit #804
New Orleans, LA 70115-2824

Northern Financial Group
P.O. Box 77654
Pasadena, CA 91107-2876

Please detach at perforation and return with your payment.

YOUR DELINQUENT ACOUNT HAS BEEN REFERRED TO THIS OFFICE FOR COLLECTION!!!!
Please remit payment in full of any disputed amount, payable to our client, in the enclosed envelope.
Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any
portion thereof, this office will assume this debt is valid. If you notify this office in writing with the thirty day period that
the debt, or any portion thereof, is disputed, this office will: obtain verification of the debt or obtain a copy of a judgment
and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving
this notice, this office will provide you the name and address of the original creditor, if different from the current creditor.
We trust that your intention is to address this long overdue debt. If you wish to make payment arrangements, you can call
our office 24 hours a day at (866) 555-1413 so we can assist you in resolving this matter. As of the date of this letter you
owe the amount stated above. Because your account may accrue interest, late charges and other charges that may vary
from day to day, the amount due on the day you pay may be greater. If you pay the amount above an adjustment may be
necessary after we receive your check. If so, we will contact you. For further information about your balance please call
your account representative.
This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt, and
any information obtained will be used for this purpose.
Sincerely,
John Doe
(866) 555-1413, ext 454
Northern Financial Group
P.O. Box 77654
Pasadena, CA 91107-2876

Above: G_Notice 2

If you have a complaint about the way we are collecting this
debt, you may write to our Contact Center, 1780 North
Main Street, Pasadena, CA 91107-2824 or call us toll-free
at (866) 555-1413 between 9:00 A.M. P.S.T. and 5:00 P.M.
P.S.T Monday-Friday

Above: G_Notice 1