how it works

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Step 1: Review & Assessment

We start by reviewing your credit report and financial situation to confirm eligibility. We’re not here to judge — we’re here to help you understand what you owe, to whom, and whether it’s even valid.
This takes just a few minutes over the phone.

Step 2: Validation

This is where the heavy lifting happens. Under federal law, collectors must prove that the debt is valid and legally enforceable — not just say you owe it. We demand that proof using attorney-drafted letters. Most third-party collectors can’t provide the original signed contract or full documentation. If they fail? The debt becomes legally uncollectable, and we push to have the entire account removed from your credit report.

Step 3: Cease and Desist

While we validate, we send out cease & desist letters.
This shuts down most collection calls and creates legal pressure on the creditor.
You’re protected — and we’ll walk you through how to handle any communication that slips through.

Step 4: Credit Report Cleanup

Once a debt is proven invalid, we work to remove it — not just mark it paid.
We also go after lingering late marks (30, 60, 90 days) that are dragging down your score.

This isn’t just about getting out of debt — it’s about rebuilding your credit profile for the future.

Step 5: Progress & Support

You’ll receive regular updates. We’ll also coach you on sending in collection letters (your “tickets” to clearing debt), managing auto-payments, and protecting your account moving forward.

Step 6: Reset

Our goal isn’t just debt freedom — it’s a clean reset.
When we succeed, the tradeline disappears like it was never there.
You keep the money you would’ve paid, and your credit score gets a second chance.