Rand Miller

Rand Miller

Credit Manager
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Personal service since 1989.

We repair bad credit, fix bad credit, and erase bad credit. We delete late payments and paid collections.

We also provide credit repair after Bankruptcy, Repossession, Divorce and Foreclosure.

Legal debt negotiation and settlement. Yes, we negotiate collections, charge-offs, and judgments.

We improve credit rating scores [FICO, Fair Isaac, Beacon, and Empirica].

After your credit issues are resolved or neutralized, then we will advise you on how to re-establish your credit if needed.

We enjoy fixing bad credit, repairing bad credit and cleaning up bad credit. Call us today and let us help you regain an A+ credit rating again.

Debt Negotiation

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What is Debt Negotiation?

Debt Negotiation is the process of negotiating a debt to a payoff balance that is less than the actual balance. Example: You owe on your credit card with Capital One a total of $10,000 and this account has become a collection account for non-payment. We contact Capital One and negotiate the payoff to $5,000, thus saving you $5,000. This is Debt Negotiation - the process of settling an account for less than the full balance.

Is Debt Negotiation Legal?

Yes, the process of Debt Negotiation is Legal. During the negotiation process, we convince the creditor [Capital One, Collection Company, etc] to accept the lower payoff. We require the creditor to provide us with confirmation that they will agree to accept the lower payoff as settlement on the outstanding debt.

Is Debt Negotiation Good?

Yes and Yes. (1.) The process of Debt Negotiation is good in that it allows the creditor to receive a settlement of some of the money that you owe. (2.) The process of Debt Negotiation can save you money and allow you to recover from your debt burdens more quickly and inexpensively.

Is Debt Negotiation Permanent?

Yes, after we negotiate the debt with the creditor, they will no longer require the remaining balance to be paid. They will provide us with a written agreement that they will accept the lower payoff amount as a "final settlement". This becomes a binding agreement, that they will accept the lower payoff amount. This agreement [if fully satisfied] allows you to pay the lower payoff amount by the specified date.

How much does our service cost?

To negotiate a debt, we charge a minimum of a $150 or 20% of the discounted savings. Example: We negotiate your BofA collection balance of $2,000 down to a payoff of $1,000, details below:

Actual collection balance $2,000
Settlement amount $1,000
Savings amount $1,000
20% of savings of $1000 $200
Net savings on negotiated debt $800

Usual discount amount?

Our goal is to negotiate your debt to as low a payoff as possible. Our usual settlement amount is 50-60% of the total balance.

What debts "DO" we negotiate?

We negotiate all kinds of debts to include: collections, charge-offs, unpaid credit cards, unpaid auto repo balances, unpaid unsecured loans, and judgements [case by case].

What debts "DON'T" we negotiate?

We don't negotiate tax liens, or secured debts ie: auto, boat, mortgages, etc.

Personal and Business Debts?

Yes, we negotiate both Personal and Business Debts.

An Example

If American Express demands that you pay $20,000 to settle an account that went into collection with them, we call them for you, and negotiate with the creditor to except only $10,000 to $12,000 as a full settlement. Saving you between $8,000 to $10,000.

Debts to be Negotiated

Current Balance

Estimated Payoff

Savings

1

American Express

26,000

15,000

11,000

2

Providian VISA

30,000

18,000

12,000

3

Capital One VISA

10,000

5,000

5,000

4

BofA MasterCard

5,000

2,500

2,500

 

Sub-Total

$71,000

$40,500

$30,500

Saving Clients Tens of Thousands

We have saved individuals tens of thousands of dollars by negotiating collections and charge-offs. Unfortunately, you are at a disadvantage when trying to negotiate a collection payoff yourself. You will be bullied and humiliated on the phone, and in some cases harassed at work, making your life very miserable.

How much do you pay creditor?

We will begin to negotiate your debts with your creditors once you have saved at least 60% of what is due. Although we try to negotiate your debt for as low a payoff as possible, we need you to have available at least 60% just in case the creditor is difficult.

When do you pay?

Once we negotiate your debt, you must pay the debt within 1-2 days. Usually we pay the settlement for you by phone with your account pre-arranged payment method either check by phone or credit card by phone. Our negotiation fee is due upon negotiation, whether you pay the debt or not.

Debt Negotiation fees are due when?

Our negotiation fee is due upon negotiation, whether you pay the debt or not. Our fee is paid by (1.) credit card (2.) cashiers check or (3.) money order.

How many debts can we negotiate?

As many as you have. We can negotiate only one of your debts to as many as 20 or more.

How long does Debt Negotiation take?

Usually you can anticipate a one to two day lead time before we negotiate your first settlement, then at least one day per additional debt to be negotiated. This is a conservative estimate. Twenty debts can be negotiated within 7-10 days. Although we try to negotiate your debts to the lowest payoff, we strive to work within your time constraints and deadlines.

We save you stress

For some reason credit company collection agents are often times very rude, crude and antagonistic in nature. They are skilled at criticizing, harrassing, degrading, humiliating and provoking customers to extreme anger and frustration.

We try to eliminate the harrassing and stressful phone calls from you. We call the creditors for you. You don't have to deal with their mind-games or their humiliating tactics. All you have to do is let us fight your credit battles for you. We use time tested negotiation techniques to get creditors to accept discounted payoff arrangements.

Debt Settlement Deletion?

During the debt negotiation and settlement process we negotiate that your account be either deleted or corrected after payment. Remember a deleted collection no longer affects the credit score. A corrected collection that reflects "PAID WITH A ZERO BALANCE", can dramatically improve a credit score. We can't guarentee deletion because some creditors refuse to delete, therefore we would request correction.

Negotiate as you have money?

Yes, we have many clients who don't have all the money to pay all of their debts at one time. So we agree to negotiate each of their debts as they save sufficient money to pay the estimated payoff. We usually request that our clients save at least 60% of the balance due, just in case the creditor is difficult.

How to Get Started?

The best way to get started is for you to allow us to review your credit.
(1.) Either fax us a copy of your credit report or submit an online inquiry requesting that we run your credit report [$19 individual or $29 married couple].
(2.) We will fax, email or mail you a copy of your credit report with our comments and recommendation as to what needs to be done to improve your credit.
(3.) Once you have received your credit report you will call us or email us to inform us which accounts you want us to negotiate.
(4.) You may have 1 debt to be negotiated or 20, you determine which debts you want us to negotiate.
(5.) We will email you our debt negotiation agreement, you will review and sign it and fax it back with any recent collection notices that you have received from the creditors regarding the debts we will negotiate for you.
(6.) Once we have received your signed faxed debt negotiation agreement then we will begin to contact your creditors thus beginning the negotiation process.

Remember our goal is always to negotiate the debts to as low as possible, usually 50% to 60% of balance.

Credit Repair might be needed?

Although we request that the debts be either deleted or corrected from your credit report, and even though the creditor may have agreed in writing to either delete or correct your credit, sometimes they don't. So to insure that your credit is properly corrected, after debts are negotiated and paid, [if you choose] we can either delete or correct the collections or charge-offs to reflect paid with a zero balance. This will dramatically improve your credit scores.

Our Credit Correction/Repair program fee is $495 individual or $595 married couple, [this is a one time fee, paid only when your credit has been corrected, usually 30-40 days]

If you are interested in getting started right away, go to our “Inquire Online Form” NOW.

$19.00, 3 Bureau, 3 Score Credit Report

Remember, if you want a copy of your credit report, we can run it quick for you. We will include a FREE Credit Analysis, describing what needs to be done to improve your credit. Our credit reports include all 3 credit bureaus and 3 bureau scores for only $19.oo for an individual and $29 for a married couple. That saves you money, because the bureaus themselves charge about $39.oo for the same report. Better yet, our credit reports are easier to read and understand. You can't beat that, order your report today

100% Money Back Guarantee
As far as our 100% Money Back Guarantee this pertains to our credit repair progam. Which states, if we can't either improve your credit or improve a credit score we will refund you your money back less the cost of the $19 or $29 credit report [you will receive a copy of your credit report for your records]. No money wasted. Regarding debt negotiation, our fee is due upon debt negotiation regardless if you pay the debt or not.

Just so you know, we are in the business of fixing credit, so we will do our utmost to save you money when negotiating your debts and/or repairing your bad credit. We intend on making our service to you the best investment that you've made in a long time.

Audio Answers

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Testimonials

More testimonials...

“I really like the way I was treated by everyone involved in your business, both on the phone and in person.”

L. McLaurin
Los Angeles, CA

“Thank you for helping... We appreciated your patience and persistence. We would be pleased to recommend you to others.”

S & B Nixon
Los Angeles, CA

“Already referred a friend. and will do so again when the opportunity arises.”

J. Hughes
Agoura Hills, CA

“This is to express my appreciation for the good work that was done... What appeared to be a ‘Lost Cause’ was brought to a successful conclusion, thanks to your tact, perseverance and resourcefulness. I would recommend you to anyone.”

R. Seifert,
Oakhurst, CA

Free Credit Review

Do you have a credit report, but frustrated with the credit problems that you see? Fax us your credit report. We will Review your credit for FREE!

Just fax your credit report to the below fax number and we will review your credit and respond with what we think we can do to improve your FICO scores and/or credit. Include your name, phone number & email on the over sheet, then fax to:

FAX 1:
(650) 475-5655
FAX 2:
(661) 206-6057