Our ability to help very much depends on acting quickly - as many options may no longer be available if the problem is ignored. We encourage our prospective clients to call us and schedule a no obligation interview with one of our financial coaches to determine what we can do to help in your situation.

The process is broken into five simple steps:

We gather the information, perform an overview/analysis of your current situation and send you an enrollment contract to formally start the process.
As instructed in the welcome package you provide:
   a. Supporting documents (Creditor statements)
   b. Completed budget analysis worksheet (which includes your off credit report expenses. Gas, groceries etc.)
   c. Handwritten Hardship Letter
File Audit (qualification). Senior negotiators review your file to be sure you qualify for debt settlement.
Package & Submit info to Creditor. The negotiator is in direct contact with the creditor(s) and decision makers.
Execute Settlement Paperwork. You are guided through the process of executing your settlement(s).

What will the firm will do for you:

Pre-qualify your situation avoiding false expectations
Explain the process
Help you identify required documentation
Guide you throughout the process and ensure regular updates
Provide you guidance on what to expect
Ensure information is Packaged in creditor-specific formats
Identify possible alternatives for creditor to consider
Ensure that providers are Negotiating with the creditor(s) and lobbying for our clients
Guiding you through the execution of settlements