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What is the Student Loan Program This program will help you navigate student loan cancelation and forgiveness options including the one-time federal cancellation.  This comprehensive program navigates all of the numerous student loan debt filtration programs into a single program.  These programs include: One-time student loan debt relief Public Service Loan Forgiveness (PSLF) Income-driven repayment […]

What is a Legal Remedy Administrative Remedy is a formal process that follows the Uniform Commercial Code.  It is the process that creditors use to establish debt and the liability thereof but in reverse.  Using administrative remedies, it is possible to “unwind” debt obligations and actually create liabilities against your creditors.  Once you create a

What is a Legal Remedy The reason that our program is so successful is because we use legal remedy whenever necessary.  If you have a credit repair company trying to fix your credit, they have no real incentive to fix your credit quickly because they get paid monthly.  The sooner they fix your credit the

Why does the IRS pay all of my bad debts? The IRS is your rich relative that pays almost every bad debt that you can’t. If you go to the IRS website, they will explain this process.  Almost every major creditor in this country takes advantage of this system to get compensation for debts that

What is a courtesy late payment removal? Late payments on a credit card or other loan can have a widespread financial impact beyond triggering late fees and higher rates. A single late payment can drop your score 80 points. Payments made more than 30 days past due can ding your credit score, making it harder

What is Pay-for-deletion Sometimes if you are really trying to move fast with your credit restoration you can embark on a journey called pay per deletion.  In general, a collection or derogatory account can remain on your credit report for up to seven years (and in rare cases, longer) if you don’t apply the proper

Should I pay bad debt Never! filter bad debt first then if anything is left you would pay it with a contingency letter.  Never settle or pay bad debt without a contingency letter.

Can I fix my credit myself Credit repair itself is not illegal but most credit repair practices are illegal.  For instance, if your credit repair company disputes an item that is clearly yours and they tell the credit bureau that it is not mine then that information is false, and you are then guilty of

Can I fix my credit myself Yes of course you can.  It’s just like brain surgery, you could do it yourself but is it desirable.  When something is a s important as your credit to your overall happiness, prosperity and access to the American dream why would you have anyone who is not the best

Can inquiries be removed from my credit Yes of course everything can be removed from your credit.  However, the credit bureaus hate taking off inquiries because their subscribers your creditors want to limit your access to capital.  No matter how great your credit score is you will still get turned down for excessive credit inquiries