Consumer - Based
								The consumer-based category is comprised of cash flow instruments in which the party that owes payments is a consumer. The party receiving the payments can be a business or an individual. This income stream includes: Cemetery Pre-need Contracts Certificates of Deposit Consumer Contracts Credit Card Charge-offs Delinquent Debt Health and Country Club Memberships Inheritances Trust Advances License Impounds Retail Installment Agreements Student Loans Timeshare and Vacation Club Memberships