Disputed balance
You don't owe what they say you owe. We help you contest the amount and produce the evidence that holds.
Negotiation, restructuring, and dispute support for individuals and SMEs facing aggressive collections, disputed balances, or workout pressure.
You don't owe what they say you owe. We help you contest the amount and produce the evidence that holds.
Calls, letters, threats. Many tactics are illegal. We document, assert your rights, and stop the abuse.
You can pay something, but not everything. We negotiate sustainable terms written, signed, and binding.
Multiple creditors, finite cash. We coordinate a holistic settlement that keeps the business operating.
Old debt re-sold and revived years later. We assess limitation periods and shut down invalid claims.
Inaccurate filings damaging your score. We dispute, escalate, and follow through to removal.
We read every letter, contract, and statement. Output: a one-page brief on what you actually owe, to whom, and on what timeline.
We engage creditors on your behalf, in writing, on terms designed to be agreed and binding not exploited later.
Settled balances reflected on credit files, releases obtained, and standing instructions to halt further contact.
No. We don't run debt-management plans, take payments on your behalf, or charge monthly admin fees. We are an advisory firm we explain your position and negotiate when authorized.
Sometimes negotiation involves recording a settled-for-less arrangement. We discuss credit consequences upfront so you can choose with eyes open.
Free initial assessment. After that, fixed-fee strategy work, with optional negotiation on a per-creditor basis. No long-term contracts.
Free 30-minute assessment. We'll tell you what's actually owed and what your options are.