Expert Credit Advice for Your Peace of Mind

A former bank attorney turned credit counselor using alternative methods to yield quicker and better results than the simple dispute methods used with little to no results.

We file violations under the fair debt collection practices act with the federal trade commission and consumer financial protection bureau. These violations have a $1500 mandatory statutory fine; our goal is not to collect that money, but to use that as leverage to get them to sign off on a stipulation and discontinuance to satisfy the debt in full and remove it completely from the original file of the creditor and the credit bureaus for good. 

Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act we can:

1- Remove any type of negative item.  

2- Stop them from legally collecting the money you owe. 

3- Raise your credit scores.

4- Stop wage garnishments and liens.