Just looking to clarify the calculation of the “future income” component of RCP. I read material in the NAEA NTPI Level 1 program that stated that FI is calculated by taking the monthly amount left after allowable expenses and multiplying it by the number of months remaining in the CSED. I thought it was 12 months for lump sum offers and 24 months for short term deferred offers. The NTPI calculation doesn’t seem like much of a “compromise” to me.
Michael, two different things. You do the FI times all the time remaining on the CSED to make sure they cannot full pay the balance and qualify to do an Offer. Once they qualify then it is either 12 or 24 months.