Our Approach

If You Want To Fix Your Debt Problems,

We Have the Experience

Our Client Service is #1

And We Get the Job Done!

With some of the best minds in the debt, mortgage, tax, and student loan relief industries, our team becomes your team

It all starts with your free consultation.


Free Consultation

Free Consultation

Fact Finding

When you call our firm, we will want to know how and when your financial hardship began as well as what the current status is, to get a better understanding of what you are experiencing.  Our staff is trained to ask the right questions to make sure that no stone in your financial picture goes unturned.  Any representative that will speak with you will have a minimum of 10 years experience if you”re calling for a consumer matter and a minimum of 15 years experience if calling for help with a business matter.

Financial Analysis

We analyze your current financial situation including your assets and liabilities as well as your current cash flow, allowing us to narrow down our services more specific to what you can afford.  This step is critical in any of our processes as we ensure that whatever service we recommend will be within your budget and therefore you’re more likely to complete the process and receive the full benefit.


Recommendation & Customization


Explanations with Full Disclosure

There are multiple options for each problem we encounter so based on your analysis; we will then tailor fit the best option to the individual needs of your budget.  We will explain in great detail all aspects of each process including the risks & fees – not just how much money you can save.  Nothing will be hidden from you as we are a full disclosure law firm.

Our Relief Specialists are NOT Paid a Commission

There will be no sales pressure at our law firm.  There is no obligation to retain our services.  You will be given all the facts you need, and then you will be given plenty of time to think things over.  Debt relief is an important decision, and we won’t rush you!  We have worked hard over the years to earn the reputation we have by giving honest advice to those in need rather than the advice that benefits our bottom line!


Power of Attorney

Power of Attorney

Creditors are Sent Notice of our Representation

No matter which services you retainer our services for, we immediately send a copy of our Limited Power of Attorney to your creditor, mortgage lender, their debt-collectors or attorneys, the IRS, etc.  Sending notice of representation is the first step in curbing any creditor or collector calls you may be receiving.  We do not want you to be harassed – we’ll take over the calls for you.

The Fair Debt Collection Practices Act (FDCPA)

Once any third party servicer, debt collector, debt purchaser, collection attorney, foreclosure attorney, etc. receive our Limited Power of Attorney, they are obligated to contact us directly on your behalf.  Failure to do so is a violation of the FDCPA, and we will sue them for you.  There is no fee charged to you if we do not win your case, and if we do win, you can win up to $1,000 per violation, and the collector in violation will pay our attorney fees for you.  It’s basically free money!


We Resolve Your Case

We Resolve Your Case

We are Incentivized to Perform

We offer many of our services with very low upfront fees or on a contingency basis where we don’t get paid if we don’t perform, so you’ll know we have your best interests in mind.   We don’t benefit from getting you to hire our law firm, but instead, we benefit when we get the job done for you.  You pay for our performance – and that’s what we do – we perform!  We never agree to anything without first consulting with you and getting your approval.  It is your debt and your money, so you have the final say in all of our negotiations

We Work Efficiently & Quickly

The combination of our experience, well-trained representatives, long hours, and state of the art software, allow us to accomplish more in any given day than most other firms only dream about. This can be said for ANY service we offer from negotiations to litigation to bankruptcy.  We work quickly on lowering your payments, lowering your rates, extending the terms of your payback, reducing your principal balances, or helping you file for bankruptcy.  We will be in touch with you throughout the process to keep you informed and are available when you need us.

Our Four Main Service Areas

Debt Relief Solutions

From consumer to business debts, we do it all.  We negotiate credit cards, loans, collection accounts, lawsuits, merchant cash advances, SBA loans, vendor debts, etc.  We offer debt management, consolidation, restructuring, settlement, and bankruptcy.  As long as your total debt load is more than $10,000, we can help you!

Mortgage Relief Solutions

From repayment plans, reinstatements, loan modifications, short sale & deed in lieu negotiations, foreclosure defense, predatory lending, and bankruptcy.  No matter what the issue that you’re having with your mortgage lender or current servicer, our attorneys and paralegals know how to fix it.

Tax Relief Solutions

If you owe the IRS or your state and don’t know what to do, we can represent you with your issues and we’ll get the job done.  We offer payment plan negotiations, offer in compromise and settlement, as well as bankruptcy.  We have a team of tax attorneys dedicated to helping protect you and your assets.

Student Loan Relief Solutions

We can offer every solution to your student loan problems.  Consolidation, Repayment Plans, Deferment, Forbearance, Settlement, Forgiveness, Cancellation, Discharge, and in some cases, even Bankruptcy.  One way or another, we’ll figure out what’s best for your situation and then help you implement it.

Let Us Help You!

Are you looking for professional advice for yourself or your business?

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Business Hours

Creditor Negotiations
Mon - Fri: 9:00am - 6:00pm EST
Client Service & New Consultations
Mon - Fri: 9:00am - 8:00pm EST
Weekends By Appointment Only



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*Individual results may vary based on consumer’s ability to save sufficient funds, and complete all program terms. Our law firm does not assume or pay any debts, nor provide credit or tax advice on forgiven amounts. Program is not available in all states, and does not obtain immediate repayment arrangements until consumer saves sufficient funds and creditor(s) make offers.
*Be wary of any company that tells you not to pay your bills as certain debt relief options may have a negative impact on your credit report and other consequences.  For example, your debts may continue to accrue late fees and penalties, you also may receive calls from your creditors and/or debt collectors, you could even be sued for non-payment.  If a creditor obtains a judgment against you they have the right to garnish your wages or put a lien on your home.  Make sure you choose company that explains the benefits and consequences of each debt relief option.  Please read and understand all program terms prior to enrollment.
*The information provided on this site is for general information and educational purposes only.  The information presented should not be considered legal advice, and should not be misconstrued as such, and should most definitely not be acted upon without first consulting with an attorney. The information is subject to change without notice. Consult a debt relief lawyer licensed in your jurisdiction for specific advice.
*We provide Debt Relief services and are a debt relief agency, as defined by the U.S. Congress. We proudly assist people filing for bankruptcy relief under the Bankruptcy Code as well as various other services to help avoid bankruptcy.