OUR PROCESS

1) Budget Analysis:

We begin by analyzing your current debt load in combination with your  gross monthly income to produce your debt to income ratio.


2) Negotiation Of Interest:

This applies to your unsecured creditors for which you have an outstanding balance.
        
  • We attempt to negotiate the reduction of your current rates on each of your accounts
  • Review potential of balance transfer possibilities
  • Review introductory rate offers and timeframes


3) Review your existing secured debt portfolio for savings

Potential:
        
  • Research cost cutting steps for collateralized debt
  • Review referral options for refinance options inclusive of bi-weekly mortgage payment program if  applicable


4) Compile customized savings analysis:

  • Customized savings analysis is sent to our client within 30 days of receipt of their application and data showing guarantee of savings has been met.

  • Provides each client a unique insight and understanding of their financial situation, as well as cost saving steps to benefit them immediately and in the future.
 
  • Reminds them of ongoing client support for life regarding future negotiations of interest rates and our value added services.