About Our Services

CREDIT SERVICES: All of our credit services required an initial consultation (by phone or in person) to determine which one of our programs is better suited to the client's needs. For more information call our office (978)745-DEBT or visit the Sign-UP tab of our website.

Credit Start-up Program:

This program is offered to those individuals with little or no credit history. The purpose is to help the individuals build a credit profile "the right way" by educating the consumer on the main credit scoring factors. As part of the consultation we refer the client to a local bank for a small start up loan to help build a credit profile.

Credit Repair & Enhancement Program:
This program is offered to those individuals with several inaccuracies on their credit reports. The purpose is to achieve a higher credit score by getting the credit bureaus to delete those inaccuracies and by negotiating with the creditors in order to reduce the utilization rates on the trade lines. Clients receive a Progress Report where they can access information about the accounts we are working on and the current status and results of our job.

Debt Settlement Program:
This program is offered to those individuals who are experiencing debt trouble. The purpose is to eliminate creditor harassments and to reach a favorable settlement or payment arraignment with the creditors in order to prevent judgments and or legal action against the consumer. We can help the consumers negotiate their debts with credit card companies, banks, lending institutions, student loans, IRS, hospitals or medical bills, utility bills, mortgage lenders, etc.

Credit Maintenance Program:
This program is offered to those individuals with an above average credit score who are looking for a way to protect and maintain a good standing. We help the clients monitor their credit reports for a year and throughout the year we review the reports with the clients quarterly, giving the clients pointers on how to maintain and enhance the credit scores and monitoring the reports to prevent ID THEFT and inaccurate reporting.

Bankruptcy Rehabilitation Program:

This program is offered to those individuals who had the misfortune to have to file bankruptcy (ANY CHAPTER). The purpose is to review the credit reports to ensure that every account was included in the bankruptcy to ensure no errors from the credit bureaus. We then educate the client on the main credit scoring factors in an effort to prevent future trouble and help the client rebuild a new credit profile.

Loss Mitigation Program:

This program is offered to those individuals who are in the middle of a mortgage foreclosure. The purpose is to help the individuals negotiate a reinstatement payment plan, short sale or a mortgage loan modification allowing the client to keep the property, minimize damages and or consequences.

TAX PREPARATION SERVICES: ALL TAX PREPARATION CUSTOMERS RECEIVE A FREE CREDIT REPAIR CONSULTATION

Regular filling:

The average cost for regular filling is $40 for those individuals who want to mail the return to the IRS.

E-File:

The average cost for e-file is $110

Rapid Refund Loans:
We offer 2 days checks and SAME DAY CHECK for those individuals looking to receive their refunds right away. The average cost for this service is $200 depending in the amount of the refund. Other bank fees apply.