FAQs
for
DEBTORS

   Q. Will just ONE DAAN module really serve ALL of my phones?
   A.  YES, unless you have more than one telephone number in your home that
         you want to activate.  One DAAN module is all that is needed for your
         main phone and extensions, including cordless phones.

   Q.  Do I need to use or replace a battery or provide an external source of
         power?
   A.  No.  The DAAN module runs off the tiny amount of electric current now
         present in your phone line.  No battery or electric outlet is used or
         needed.

   Q.  What does the DAAN module look like?  How big is it?
   A.  This "mini-computer" contains over 100 electrical components that allow it
         to do what it does, yet it will fit into the palm of your hand! Basically, the Module
         looks EXACTLY like a regular, baseboard-mounted phone jack because we
         wanted to be very discreet; no one will ever know what it is...but you.

   Q.  I have two phone numbers in my home but only one phone jack; will the
        DAAN module work on both lines?

   A.  No, but there is a solution. The DAAN module was designed for single-
         line, residential use.  If you have 2 lines, you will need to purchase a line
         splitter which plugs into your jack and  has 2 female receptacles, one for
         each number (Line 1 & Line 2). Determine which number  you want your
         DAAN module to serve and plug it into that receptacle (Line 1 or 2). Plug
         your phone into the DAAN module and you are all set. If you want The
         DAAN module to service both lines, you will need to obtain 2 units from
         your attorney. Again, the DAAN module will serve ALL phones on a line,
         including cordless, but you need 1 DAAN module for each phone number.

   Q.  Is there a monthly charge like Caller-ID units?  Is there a usage charge,
         for example, are you charged every time you use the DAAN module?
   A.  No.  Absolutely not!  The only fee that is paid is between the attorney
         and his client.

   Q. I call my number to retrieve my voice mails and need to press "star 2" to
       get them...will I get the DAAN module? / When someone calls and gets
       our voice mail, they are directed to hit "*2 for my wife", "*3 for my
       children" etc., will they get the DAAN module?

   A. They would BUT, we planned ahead for this. The DAAN module has an
        auto shut-off feature programmed into it. When you call your voice mail or
        record the codes for your callers to choose from, simply ADD another star
        to the end of the code (example: calling home for messages and your code
        is"*2", just press *2* ) (example: friends get your voice mail listing for
        individuals in your home...just record the individual codes with an
        additional star, i.e. children *3* ). The DAAN module is programmed with
        a 1 and 1/2 second delay so by pushing the star for the second time after
        the code, your DAAN module will go back to stand-by without a whisper.

   Q. If I have call waiting and get another call from a creditor, can I use the
        DAAN module on the second caller?    
   A. Sorry, you cannot. The DAAN module is programmed to deploy on the
        incoming call, if you choose. In call waiting, the second call is virtually a
        "second line "so the DAAN module cannot activate on it. Tell the
        creditor / collector to call back, then give them to your DAAN module.

   Q.  What connection is needed for the DAAN module?
   A.  You need a modular  (RJ-11) phone jack, which is present in most post-
         1973 homes.  It is a tiny plug-in type of receptacle.  If you have a 4-prong
         jack, you can purchase a modular plug at your local K-Mart, Wal-Mart,
         or Phone Store for under $3 and use it to install the DAAN module.
         However, the DAAN module can only be used on TOUCH-TONE phones
         set to 'tone', not 'pulse'.  The DAAN module needs the tone to be
         activated, therefore it will NOT work on rotary phones.

   Q.  Can we put our own message on it?
   A.  No.  The DAAN module is pre-programmed to direct the caller to your
         attorney, who will then direct the caller to the credit counseling agency
         without you needing to remain on the line with the caller.

   Q.  Is the DAAN module FCC (Federal Communications Commission)
         approved?
   A.  Yes.  The FCC has approved the DAAN module for use in the United
         States.

   Q.  Does the use of a speaker phone affect the power or voltage?
   A.  Possibly.  The DAAN module was designed to operate off the small
         amount of power  in your phone line to eliminate the need for batteries.  
         If you stay on the line after activation, or remain on the line with a
         speaker phone,  those things draw on the power.  In some areas, the
         volume and speed of the DAAN module may diminish slightly.  Our
         suggestion is to hang up after pressing star.

   Q.  Will lightning affect the DAAN module?
   A.  I do not know of anything that is NOT affected by a lightning strike.  Our
        engineers tell us that if lightning strikes the DAAN module, it will
        probably knock it out.  If that happens or if you have any trouble at all,
        return the module to your attorney for a free replacement unit.

   Q.  How will the unit affect an answering machine?
   A.  Not at all.  Just plug it in.  You may want to refer to your answering
        machine manual for ancillary devices.  A simpler way is just to install the
        DAAN module in a different jack.

   Q.  Doesn't the phone company charge you when you use the 'star' button?
   A.  Only if you are using the star button to activate a phone-company
         provided feature (like tracing the last number that called you).  There is
         NO such charge, for using the DAAN module.  
 

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