Major Debt

Over the years we have helped countless clients who through tough circumstances could not afford to sustain certain obligations they agreed to. Once several past due notices have been processed collection efforts start and active accounts become charged off resulting in Debt. Responding appropriately and connections in collections can have a major effect providing immediate financial relief and potentially strong savings. Once you have completed the application we then will pre-calculate an estimated amount that will be drafted from your personal account and transferred over into a FDIC insured dedicated account used to service your debts into structured settlements. In our scheduled consultation we want to know everything that has impeded your ability to fulfill these obligations and examine your debt in depth as every creditor has distinct collection policies which determine our course of action.

Based on the total debt amount and creditors enrolled a specific draft amount will be required for a period between 1-3 years to execute settlements within your budget. Once we sync your debt our program documents will be provided for you to review, e-sign and return so that we can immediately proceed to introduce ourselves to your creditors. The ACH revoke & POA documents provided by you will force the creditor to cancel any future scheduled ACH transactions per the FTC and allow us to gather account details needed for negotiations. Depending on the creditor our inquiries can take anywhere from 1-10 business days which will be provided to you as a consistent update. Based on the account details gathered we may or may not be able to negotiate a settlement due to maturity or account status. As more funds accumulate and accounts become eligible for debt forgiveness consideration, we then will submit proposals strategically to avoid litigation and attempt max savings.

Once a settlement has been reached, we share savings results and schedule payments with escrow to calculate fees so funds again are leveraged for the next settlement. This continues as biweekly/monthly drafts are cleared and the program can end sooner if more funds are applied than scheduled. Vice-versa the program can be delayed if funds are habitually tampered with and settlements can be at risk resulting in loss of funds and possible litigation. There may be a period in which we cannot attempt another settlement due to multiple simultaneous arrangements on schedule. At that point we will contact you and explain the status of your creditors and escrow account. Your credit may be affected during the program so we are in the motion of obtaining a credit counseling certification which will be offered as a separate service to help restore your report. In the end our blend of communication, patience and collection wisdom gives you the leverage to redeem your financial status while earning savings as a form of debt forgiveness. LET’S PLAN THIS TOGETHER & APPLY TODAY!!