A financial framework
We have simplified the settlement procedure and has made client enrollment as easy as one, two, three. Our simple three step enrollment process makes getting started a breeze. Because everyone’s situation is unique, it is essential to have an experienced person evaluate your particular situation by telephone. We outline an affordable monthly payment plan to accomplish settlement with your creditors. Typically this will be accomplished within 6-46 months. We recognize that admitting your debt and seeking help are two very difficult decisions; therefore, we work hard to make you feel comfortable and supported during the process. Our consultative approach is very unique to the industry, as we will be here to confer with you and not to “sell” you. During the free savings analysis, all financial information, including credit cards, is evaluated to obtain an accurate assessment of your specific financial circumstances. With this information, our Counselors analyze your financial situation carefully. We develop a reasonable budgeting plan to enable you to develop a solid financial framework. We put all this information in writing and mail you your 31 page enrollment package for your review. Take your time this is a lot of information to read over. Sign all the marked areas and mail pages 20 to 31 back to our office. This is also a good time to send your creditors each a copy of your Cease and Desist letter. Once your enrollment package is received you will be contacted by our new accounts department to go over any changes that you may have made. You are now officially enrolled and we immediately go to work on your behalf.
When or if you receive statements or phone calls from your creditors you will Politely tell them your new address is 4773 58th Ave N. Suite C Saint Petersburg Fl. 33714 and your new phone number is (727) 491-0130. This puts them in direct contact with us.
In 3 months when behind with the creditors, we will send letters to your creditors stating that you have had a financial hardship and that's why the payments have not been made in the last 3 months and more than likely won't be paid in the future and that we are currently researching assets that you have at this time. Possibly to sell and get some funds together to settle the accounts and save you from filling for Bankruptcy. See this is the thing your creditors are afraid of the most because if you file for bankruptcy the creditors will never see a dime and the creditors rather get something as apposed to nothing. So by us telling this to your creditors it will buy us time to save the money up in your trust account.
We have years of successful settlement experience with all major creditors and credit card companies. Once there are enough funds in your trust account (usually takes 6-12 months to settle your first account) we will use those funds to negotiate a settlement on your account usually for about 25-50 cents on the dollar. Automatically you might think that if you stop paying your creditors that it will have a huge adverse affect on your creditor, which if you have excellent credit it would. But the fortunate thing for you is the majority of our clients credit is already damaged . So it wouldn't have the same effect as if you had perfect credit. Now the second thing you might think is well what about the late payment on my credit. When late payments are reported to the credit bureaus there are 5 different classifications of delinquency. (Eg. 30, 60, 90, 120, 180 days late) Once you accounts go six months or 180 days delinquent, The report only shows 180 days late. So if you are in our program for 36 months and someone pulls a credit check on you after your finished it only shows 180 days late.
It's not going to show them that you were late for 36 months all they will see is that 30 months ago you missed 6 months of payments. which most lenders don't look back any further than 2 years in most cases. Once you have finished the program not only will you be able to enjoy being debt free but you will also see an increase in your credit due to lowered debt-to-income ratios.
We also have tools to help the creditors harassing phone calls. Our Cease and Desist letters enclosed in your enrollment packet (there is a copy of this letter in the our services page of this web site). This is a letter that you have to send to each of your creditors, it requires your signature . This letter is part of the Fair Debt Collection Practices Act, under this act if you are getting harassed by a collector you have legal right to tell them to stop in writing and they have to abide and stop calling you.
You have to remember that this is financial rehab and the process is not going to be painless but it is going to be worth it. Our program is completely secure and confidential. We are not required to report anything to the credit reporting agencies, and we will not. We work with you on a one-on-one basis, and are able to give you unparalleled service.
We have helped tens of thousands of people just like you re-gain financial stability. We are committed to the highest level of Customer Service in the industry. We have many credit counselors and employees that are waiting to assist you. Your satisfaction is always our number one priority.
Call 1-866-575-8848 seven days a week, 24 hours a day. Let us analyze your situation and tell you your best options. Our initial consultation is 100% free and confidential.
No matter how you contact us, we welcome your inquiry and enjoy explaining our exciting debt settlement program. We hope you find this web site helpful and we hope to hear from you soon 1-866-575-8848.
No matter how you contact us, we welcome your inquiry and enjoy explaining our exciting debt settlement program. We hope you find this web site helpful and we hope to hear from you soon.
You can also go to the tools area on this web site, and then use the savings calculator to put in your numbers to see how much time and money we will save you and your family.
