The Effective Free Classifieds

DEBT SETTLEMENT
We are different from our competitors; We do not charge a monthly service fee, we charge the client a maximum of 15% of the debt load, we guarantee at least 50% of the client's savings goes to their special purpose account every month including the first, we are TASC members and we offer a money back guarantee.

DEBT NEGOTIATION
This service consists of a small monthly fee along with a monthly deposit into the client’s special purpose account. There are two different models, either managed or unmanaged. This will determine when the negotiation will be finalized. Once the negotiation is completed a percentage of the savings is paid as a commission.

B2B DEBT ARBITRATION
This is business to business only. For instance business “A” owes vendor “B” money for a shipment. Business “A” does not want to pay since the goods were damaged. Vendor “B” is threatening to file a lawsuit. We have both sides agree to a settlement or a special payment plan. A commission is charged on the savings to business “A”.

PAYMENT ACCELERATOR

This is a Debt Management Program primarily targeted at clients who can't afford to severely damage their credit but, need and want their unsecured debt to pay off in an accelerated manner 4 to 5 times faster with a lower payment 15.0% to 30.0%. The most important advantage of this program is that the client does little to no damage to their credit (approx. loss of 3.0 points a tradeline) and pays off their debt at 4 to 5 times faster then the traditional minimum payment scenario. In addition your client's fees for this program are usually 1/2 to 2/3 less then in a traditional. Also, the fees are paid upfront to you immediately upon entering the program.

DEBT LAW ENFORCEMENT

In the event the creditor violates the law the law firm can file a claim against the creditor in either Federal Court or the National Arbitration Forum. In the event that the bank does not violate the law, what usually happens is that the Bank sells your information or the account to a “Third Party Debt Collector”. When this happens, you will be contacted either through the mail or by telephone. You are responsible to log the telephone calls, forward the letters, and immediately notify the firm that the account has been placed with a collection agency. The law firm will demand that the debt collector cease contact with you, validate the debt, and desist from contacting you in the future. You are responsible to log collection calls and forward any letters you receive. In the event that the Collection Agent violates the law and the violations entitle you to damages in excess of the alleged debt the law firm will either file a claim against the bank in the appropriate Federal District Court or the National Arbitration Forum. In the event that you are sued, the law firm will assign the lawsuit to local counsel for the limited purpose of staying the court proceedings and compelling arbitration. In the event that we cannot find local counsel to represent you, we will provide you with a sample Motion to Stay Proceedings and Compel Arbitration. This is done for informational purposes only, and should not be considered the rendering of legal advice under state law.

TAX RESOLUTION
Whether your client has unfiled tax returns, they owe the IRS back taxes that they cannot pay, or they are the target of a tax collection action such as a wage levy or asset seizure, your client’s are not alone. There are hundreds of thousands of taxpayers that owe back taxes. The majority of taxpayers do not understand their rights before the IRS, that is why your client’s need help to resolve their tax problems. We understand the tax law and how the IRS operates internally. This allows us to solve your IRS problems in the most efficient and effective manner possible. You have rights and we will protect those rights. We will fight to get you the lowest acceptable offer. Additionally, we can work with them to prevent the IRS or other governmental agencies from taking drastic actions such as tax liens, tax levies, audits, wage garnishment, seizure of assets or imposing additional penalties. Our tax resolution services and IRS help to citizens throughout the United States

LOAN MODIFICATION
With over 15 years of experience, We have been helping Americans find the best way to lower their payments and keep their car, truck, boat or RV. We work direct with the auto lenders to obtain the best loan modification. This modification consists of extending terms or lowering interest rates to find the payment that works best for your clients. As the leader in car loan modification, we know that getting them back on track with a monthly payment that they can handle is the top priority. With a record number of repossessions that have already taken place in 2009, auto lenders don't have any more room for more repossessions. So, we have been instructed to do what we have to do to help consumers just like your clients find a loan modification that meets their budget. With car loan modification being such a new process, we want to make sure that we can do everything we can to get your clients all the necessary information that they need to make the right decision. That is why we have set up a Customer Care Team that is available at our toll free number, 24 hours a day, 7 days a week. We are ready to assist them with any questions they may have before the next step to saving up to 50% every month on your car payment

MORTGAGE MODIFICATION
Your client may be experiencing financial problems that could result in foreclosure and the loss of their home. The hardship that caused them to fall behind in mortgage payments may be due to reasons beyond their control. We can help by partnering with them to find a solution that fits their needs and circumstances and meets the requirements of FHA, VA, FNMA, Freddie Mac, etc. Our services meet and/or exceed Federal Housing and HUD provisions. We GUARANTEE our programs if this counseling office approves your application, which normally covers 99% of all applicants

CREDIT CONSULTING
We have created a program that will teach you how to work with your clients on credit and financial matters. This program will enable you to work with people individually as a credit consultant. As a credit consultant you will have the know how to walk clients through challenging financial situations and to educate them in all areas of credit and finances. With our programs, you will be able to help your clients create financial wellness. The Credit and Financial Strategies Program contains extensive information on how to consult with individuals one on one. The Credit and Financial Strategies Program provides the necessary information, tools and worksheets you will need to guide others.

CREDIT REPAIR
Once you complete your client’s enrollment, you or your client can forward documents for processing and storage. Documents can be sent via mail, scan/email, upload or fax. We verify completeness, legibility, name the document, date it, and store them to the client record. We will notify the appropriate parties of receipt or issues. We have a thorough understanding and years of experience disputing credit report accounts with the credit bureaus and data furnishers. Our correction rate is one of the highest in the industry. We dispute directly with each credit bureau, reporting company, and when necessary file complaints with the FTC, states attorney general, and BBB. We work tenaciously to root out any erroneous information. We use every legal tactic and resource possible to maximize your client’s success rate. We are constantly researching new tactics and techniques and keep an ear to the ground as to what the bureaus and collectors are doing. We utilize our dispute techniques that have been proven over many years, but are open to any additional dispute techniques you may want utilized. Our goal is to provide the best service and results for your clients at the sharpest price possible, driving more profits to your bottom line. We will provide full client service support. Your clients can call us via the toll free number you provide, answered as The Dispute Center. We pro-actively respond to client emails and calls. At least once a month we will conduct a client service quality control call to your clients to make sure they are satisfied and to build client retention. Any feedback we receive will be forwarded to you, as needed. This service includes a drip email campaign to remind clients to forward documents, credit tip reminders and others. You have the option to add email messages to your clients drip campaign

BUDGET PLANS
We have software that we will give you and you can pass on to your clients to create many different budget plans. If you are not comfortable putting together a budget plan, don’t worry we will teach you.

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