The system has been developed for understanding and education, control, and simplicity. We know that you still have a life to live, and dealing with a solution such as this seems time consuming, difficult, and stressful. It is emotional enough to face financial burdens; especially when you may not be an expert. Our solution allows you to have minimal participation BUT still allows you maximum control. The system can be broken down based on which products you choose to implement.

• Get started Fill out and submit various information about yourself and creditors.
• Receive your personal profile and asset report. (see below)
• Change your phone number and address to that issued you with the creditors.
• Stop making any payments on those credit accounts you've chosen to let go and/or negotiate
• When you receive email and requests from us, respond.
• When you receive letters from us, sign them and send them as directed.
• If you still receive correspondence from your creditors after having changed addresses, forward this information to us. (fax, email, etc.)
• 12 to 18 months later, negotiate with your creditors and close the process.
• Move on with life!

The key components to the system consist of the following products and how they integrate with the process itself:

• Asset Guard™ - The process begins with our placement of the Asset Guard which can take 6 to 8 weeks to complete. You will also gain immediate access to an online system that allows you to investigate more on how the process works, understanding the future steps, goals, and possibilities, as well as the potential hurdles and challenges. You will have resources to fortify your position and understanding as you take this active step forward toward financial freedom. With the Asset Guard, you will need nothing more as the process and resources will be laid out in front of you to implement as communication begins with your creditors. Contained here are various response materials and guides to assist you in validating your position and warding off unnecessary harassment. You will gain control. If you would prefer to eliminate communication and receive professional assistance in the communication process then see the Privacy Protector.
• Privacy Protector™ - for those who do not desire to take it on by themselves, we have the Privacy Protector that involves our team in the correspondence process allowing you to move forward with life, business, etc. without having to decipher communications, populate responses, or field phone calls at your home. You are issued a new mailing address and phone number that is changed with the specific creditors with whom we will communicate. As we receive correspondence, responses are populated for you (for those than require response) and issued to you for verification, signing, and sending. You will keep copies of this correspondence as it will be evidence for your case as you negotiate, repair credit, etc. One of the biggest risks in fielding phone calls yourself is accidently saying things that come back to hurt you. Creditors record these communications and one accidental phrase may strengthen their case, no matter if it is true or not. As we know very little about your situation specifically, we cannot give up private information let alone the fact they cannot communicate with us legally. We track your calls and who they are from issuing a monthly report of the number of calls and additional info on them, allowing you continual understanding and control. You will continue with the Privacy Protector as long as you choose, typically 12 to 18 months (as that is how long the process typically takes) although you may choose only a few months and you will work through it on your own thereafter.
• Personal Profile and Asset Report - We will perform an in-depth search of all available information that a creditor may be privy to so you know what they know. It can be eye-opening to see what they may have access to and allows you to properly protect your assets and information during this event and future events as well. This information can be invaluable for an understanding of the credit system and the information creditors look for.
• Secured Debt Assistance - This includes the negotiation of deficiencies on real property and vehicles that you need to get out from underneath of, but find that you owe more than a possible sale price will fetch.  It involves working with our specialists in negotiating with the respective bank that holds your mortgage or car loan on an agreeable sale price while "forgiving" the deficiency that exists with your loan.  If a deficiency is applied, that is negotiable as well and you are protected from it through asset protection. You are thus able to shed the asset or property without worry of foreclosure, repossession, or a future deficiency judgment.  Is it guaranteed to work?  Of course not, the bank does not have to accept negotiation. Although, our team has over a 90% success rate and with no additional risk there is nothing to lose! This looks much better on your credit, is easier to repair from credit damage, and allows you to avoid future payments on the loan or loan deficiency.  There are also no additional out-of-pocket expense associated! The specialists are compensated by the banks and you are out from underneath the debt, effectively eliminating it entirely!

Features of the system include the following:

• Online access to consultants via web system
• Secure login on our web system
• Access to letters to creditors
• Access to pre-built cases for judgment dispute
• Access to background and educational information regarding the banking and debt system, etc..
• Access to credit restoration options
• Acess to our business Credit Building System (build business credit with out a personal guarantee)
• Access to options for negotiation and default judgment dispute support
• Monthly report of correspondence and contact attempts via Privacy Protector
• Access to our Secured Debt Negotiation Specialists
• Short sale of properties and vehicles included
• Loan modification on mortgages available

Disclaimer

In Privacy Protector, you will be sent completed materials to send to the collectors, collection attorneys, and courts as needed. It is important to note that we are NOT acting as your attorney. We will NOT make appearances in court for you. This service is limited to providing response letters, completing form letters, and providing example motions you prepare and file with the courts. This will not take the place of your local attorney. If you wish to have local representation, this service will merely supplement that effort.

We provide no guarantee of a positive outcome for any collection case. This effort is overseen by an attorney but it is not done by one. Previous results have shown that local judges can make irrational decisions when working with Pro Se defendants. We have no control over their actions and take neither credit nor blame for them or you in court. Some jurisdictions have unique requirements you will be responsible for knowing. We cannot take responsibility for them. Our efforts are based on a set of national standards.

Being on your way to financial freedom is as close as filling out the form below!