Types of Acceptable Debts We Can Assist With:

• 3rd Party Collections
• Unsecured Credit Cards
  
• Credit cards (not secured by collateral).
• Unsecured Debts
• Auto Loans/Leases/Returns/Repos/Balances
  
• Only for repossessed vehicles or those already in the repossession process.
• Air Conditioning Units
  
• Similar to auto loans, assistance is possible when repossessed or in collections.
• Bankruptcy
  
• Dismissed Chapter 13 bankruptcies that still appear on the credit report.
• Back Rent
  
• If the client no longer resides at the unit.

Business Loans under SS# or EIN #

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• Must be tied to a Social Security Number (SSN) or Employer Identification Number (EIN).
• Businesses must be closed or in the process of closing.
• Business Credit Cards under SS# or EIN#
  
• Must be tied to a Social Security Number (SSN) or Employer Identification Number (EIN).
• Businesses must be closed or in the process of closing.
• Business Inventory Outstanding Balances
• Charge Accounts
• Check Cashing/Cash Advance
• Credit Builder Loans
• Credit Unions/Federal
• Consolidation Loans
• Department Stores
• Gas Cards
• Furniture Loans
• Health clubs aka Gyms/Fitness Centers
  
• Only if they are in collections.
• Installment Loans
• Jewelry Stores
• Judgements / Lawsuits before becoming a client (additional attorney fee)
• Summons served before becoming a client (additional attorney fee)
• Lines of Credit
• Lending Club
• Medical Accounts
  
• Must be delinquent or in collections.
• Merchant Cash Advance Loans
• Military Credit Unions
• Note Loans
• Online Buy Now - Pay Later
• Payday Loans
• Personal Bank Loans
• Private Student Loans
  
• Accepted if not directly issued by universities.
• Signature Loans
• Solar Panels
• Timeshares
• Tribal Loans
• Utility Bills/Power/Internet/Electric/Cellular/Cable
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• Services may already be shut off, and accounts must still appear on the credit report.
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2. Types of Debts We Cannot Assist With:

• Alimony/ Child Support
• Army/Airforce Exchange Services
• City, County, State, Federal Debts, Citations, Loans
• Credit Builder Monthly Memberships
• Home Improvement Loans (roofs, kitchen, etc.)
• Mortgages
• Parking Tickets
• SBA Loans
• Tax Debts (in the process of adding soon)
• VA Loans
• Wage Garnishments