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Our Services

Comprehensive debt resolution solutions tailored to your unique financial situation

Our Approach

Our debt resolution process is consultative and outcome-driven. We begin by conducting a thorough review of your financial situation, including outstanding balances, monthly obligations, and overall financial health.
This comprehensive assessment allows us to determine whether debt settlement is an appropriate option for your specific circumstances. We believe in transparency and will provide you with realistic expectations about the process, potential outcomes, and timelines.

01

Initial Consultation

We review your financial situation and outstanding debts to understand your needs.

02

Eligibility Assessment

We determine if debt settlement is the right solution for your circumstances.

03

Plan Development

We create a structured plan with clear timelines and realistic expectations.

04

Negotiation & Resolution

We work with creditors to negotiate reduced payoff amounts on your behalf.

What We Offer

FCRA / FDCPA

Our Credit Card Debt Settlement service is designed for individuals overwhelmed by high-interest credit card balances. We work to negotiate with credit card companies on your behalf, aiming to reduce the total amount you owe, allowing you to resolve your debt for less than the original balance. This service provides a structured path to financial relief from burdensome credit card obligations.
Eligibility Criteria
Clients typically need to have a minimum of $10,000 in unsecured credit card debt and be experiencing genuine financial hardship that prevents them from making minimum payments. Accounts should ideally be past due or nearing default for optimal negotiation leverage.
Process Overview
The process begins with a free financial consultation to assess your credit card debt and overall financial situation. If suitable, we enroll you in our program, where you’ll make regular deposits into a dedicated savings account. Our expert negotiators then engage with your credit card companies to secure reduced payoff amounts, and once an agreement is reached, payments are made from your savings account.

DM

This service focuses on helping clients resolve unsecured personal loans from banks, credit unions, and online lenders. If you’re struggling with high monthly payments or facing default on personal loans, we can assist in negotiating with lenders to achieve a more manageable resolution, potentially reducing the principal balance or restructuring terms.
Eligibility Criteria
Individuals with unsecured personal loans who are facing significant difficulty in meeting their repayment obligations, or whose loans are already in default or collections. The total personal loan debt should typically exceed $7,500.
Process Overview
We start by conducting a thorough review of your personal loan agreements and current financial standing. Following enrollment, we communicate directly with your personal loan lenders to present your hardship case and negotiate for a reduced settlement amount or a more favorable repayment plan. Funds are accumulated in a special purpose savings account to facilitate these settlements.

⁠Settlements

Our Medical Bill Debt Negotiation service provides assistance to individuals burdened by substantial medical debts not covered by insurance or beyond their ability to pay. We act as your advocate, negotiating with healthcare providers and collection agencies to reduce the total amount owed, helping you find relief from overwhelming medical expenses.
Eligibility Criteria
Consumers with significant outstanding medical bills, generally over $5,000, that are past due, in collections, or causing severe financial strain. Clients must demonstrate an inability to pay the full amount due to financial hardship.
Process Overview
The process involves gathering all relevant medical billing statements and verifying the charges. We then engage directly with hospitals, clinics, and medical collection agencies to negotiate a lower settlement amount on your behalf. Once a settlement is agreed upon, we facilitate the payment from your dedicated savings account, providing a clear path to resolve your medical debt.

⁠Summons / Lawsuits

This service focuses on helping clients resolve unsecured personal loans from banks, credit unions, and online lenders. If you’re struggling with high monthly payments or facing default on personal loans, we can assist in negotiating with lenders to achieve a more manageable resolution, potentially reducing the principal balance or restructuring terms.
Eligibility Criteria
Individuals with unsecured personal loans who are facing significant difficulty in meeting their repayment obligations, or whose loans are already in default or collections. The total personal loan debt should typically exceed $7,500.
Process Overview
We start by conducting a thorough review of your personal loan agreements and current financial standing. Following enrollment, we communicate directly with your personal loan lenders to present your hardship case and negotiate for a reduced settlement amount or a more favorable repayment plan. Funds are accumulated in a special purpose savings account to facilitate these settlements.

⁠Bankruptcy

Our Medical Bill Debt Negotiation service provides assistance to individuals burdened by substantial medical debts not covered by insurance or beyond their ability to pay. We act as your advocate, negotiating with healthcare providers and collection agencies to reduce the total amount owed, helping you find relief from overwhelming medical expenses.
Eligibility Criteria
Consumers with significant outstanding medical bills, generally over $5,000, that are past due, in collections, or causing severe financial strain. Clients must demonstrate an inability to pay the full amount due to financial hardship.
Process Overview
The process involves gathering all relevant medical billing statements and verifying the charges. We then engage directly with hospitals, clinics, and medical collection agencies to negotiate a lower settlement amount on your behalf. Once a settlement is agreed upon, we facilitate the payment from your dedicated savings account, providing a clear path to resolve your medical debt.

Important Considerations

Realistic Expectations:
Debt settlement outcomes vary based on individual circumstances. We provide honest assessments and do not guarantee specific results.
Credit Impact:
Enrolled debts may become delinquent during the program, which can negatively impact your credit score.
Tax Implications:
Forgiven debt may be considered taxable income. We recommend consulting with a tax professional.
Alternatives:
Debt settlement is not the only option. We encourage you to explore all alternatives, including credit counseling and bankruptcy, before making a decision.