We focus on:
We focus on:
A key component to finally fixing your credit is finding ways to manage and reduce your existing debt.
Enrolling in a Debt Management Plan is not the only option when it comes to paying off your balances for good. In fact, enrolling in a Debt Management Plan (DMP) can actually lower your credit rating even further.
As an alternative, we focus on developing your own debt management plan — one totally customized to your needs — so that you can feel confident in your growing money management skills.
First, we’ll need to break down the types of credit you have and to understand how each can be managed, whether it’s a mortgage, student loan, car loan, or consumer credit card debt.
Next, we’ll work together to establish a realistic budget that covers your living expenses AND enables you to start paying down your debts.
And for the final step, we’ll review your credit report and see where improvements can be made. This way, you can see the tangible effects of all your hard work!
Your Financial State Isn’t As Bad As You Think – Consumers usually think their situation is beyond repair, but it’s hard to be objective when you’re in the thick of it. We will dissect your current situation and give a sound diagnosis for a path to financial security.
Creating a Budget – Budgets are key to the success of long-lasting prosperity. A well-planned budget can put your financial picture into focus and build a framework for moving beyond the cycle of debt. Itemizing your bills in detail allows you to clearly see how much income you need to live on and how much you can dedicate to debt elimination and wealth building. We can help you go on a successful “financial diet.”
Negotiating with Collection Agencies – Collection agencies frequently attempt to collect debts past the statute of limitation. These debts can be challenged legally and then forgiven, without further harm to your credit. We’ll teach you how to talk to collection agencies and how to best respond to their phone calls and letters.
Creating a Long-Term Plan for Financial Success – We will help you understand how interest works and how to adjust your budget as your situation improves. Over time, you will be able to leverage your credit to build asset instead of liabilities, helping you grow your wealth and build a secure financial future.