Loan Modification
(Financial Restructuring)

The process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower. This is generally done when the value of the property has declined below the original loan amount.

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Debt Settlement
Debt settlement also referred to as debt negotiation is the process by which a debtor settles with a creditor for less than the full amount owed. The agreed upon balance is regarded as payment in full. Read More...

Credit Restoration
Credit Restoration also commonly referred to as Credit Repair is the process of removing incorrect or inaccurate items from an individual's credit report. Credit repair can also encompass adding good credit items and building a positive credit profile. Read More...

Bankruptcy
Bankruptcy is a legally declared or recognized condition of insolvency for a person or organization. In order to show insolvency (the inability to pay debts) an entity must pass a means test. Read More...