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May a licensee enter into a debt management plan with a debtor if the budget analysis shows the debtor's current monthly expenses exceed the debtor's net income?

May a licensee enter into a debt management plan with a debtor if the budget analysis shows the debtor's current monthly expenses exceed the debtor's net income?

The licensee may still enter into a debt management plan with a debtor if a written plan outlining how the debtor will meet the payment obligations under the plan is established. The licensee must maintain documentation of this written plan.