We Are Your Debt Relief Experts

Once your file has been accepted by your provider, you will set-aside and save a set amount of money each month.  The amount you save each month is determined during your consultation and is based on the total amount of debt you enroll.  As your savings builds, your creditors and/or collectors are worked with to reach agreeable settlements on each of your accounts.  This process repeats until you are debt free at a reduced amount.

The process of invalidating erroneous debts is an analysis of your credit report and preparation of correspondence to your creditors or collection agencies seeking validation of your debts. Once you are enrolled in a validation program, a legal dispute package is sent to each creditor and collection agency demanding that they provide the correct documentation and proof of their right to collect from you pursuant to state and federal law.

If the creditors and collection agencies are unable to provide accurate documentation, which we find is often the case, the debt is classified as invalid and therefore is unable to be collected upon.  Credit line will be removed from the bureaus with a successful dispute.  Any remaining balances that are not removed through the dispute process, will be resolved through a negotiated settlement.

Through consolidation loans, you can lower your interest rate, lower your monthly payments, and you can streamline your finances.

There are different ways to consolidate debt and consolidation loans typically provide you with a specific amount that pays off all your outstanding debts.  You then have one loan payment to make, at a specified interest rate, which can help you in a variety of ways, including:

• Lower and consolidate your monthly payment.
• Lowering your interest.
• Increasing cash flow.
• Budgeting your expenses becomes easier.

• Offers In Compromise (OFC)
• Installment Agreements (IA)
• Stair Step Agreement
• Streamline Installment Agreement
• Partial Pay Installment Agreement
• Conditional Expense Installment Agreement
• Traditional Installment Agreement
• Currently Not Collectible Status
• Penalty Abatement

• Monthly Credit Report and Scores (Experian/Equifax/TransUnion).
• $1 Million in Identity Theft Insurance.
• Enhanced Credit Monitoring.
• Identity Monitoring.
• Application Monitoring.
• Dark Web Monitoring.

The goal is to boost your credit scores with Experian, Equifax, and TransUnion.  Your credit reports with all 3 credit bureaus will be analyzed.  Any inaccurate, duplicate, erroneous, or outdated information(statute of limitations) will be removed and/or updated.  The removal of derogatory credit lines and information will have your scores increased.