WE ARE YOUR DEBT RELIEF EXPERTS
SAVING YOU MONEY AND TIME
Speak with our debt relief specialists to see which program is best for your unique situation.
EVERYONE HAS A DIFFERENT SITUATION
That is why we offer a suite of products and services for our clients.
During your consultation we will identify exactly where the problem is. Whether it be one issue or several, we have the options in place to save our clients a significant amount of money and time, and increase your credit scores.
Once we figure out the exact issue, this is where we go to work. Whether we need to reduce your debts, provide a consolidation loan, and/or boost your credit scores, our specialists have the expertise and network to make this happen for our clients.
The quality of work we perform for our clients is of the utmost importance. We pride ourselves on highly vetting the best organizations in our network. All in network providers must maintain an active Accreditation with the Better Business Bureau and continually prove amazing client support.
FREQUENTLY ASKED QUESTIONS
HOW DOES DEBT SETTLEMENT WORK?
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.
HOW DOES DEBT VALIDATION WORK?
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.
HOW DO CONSOLIDATION LOANS WORK?
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.
WHAT ARE TAX RESOLUTION OPTIONS?
- 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
HOW DOES IDENTITY/CREDIT INSURANCE WORK
- Monthly Credit Report and Scores (Experian/Equifax/TransUnion).
- $1 Million in Identity Theft Insurance.
- Enhanced Credit Monitoring.
- Identity Monitoring.
- Application Monitoring.
- Dark Web Monitoring.
HOW DOES CREDIT REPAIR WORK?
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.