Our program is unique......

and uses existing laws of bank violations as the basis for eliminating your debt utilizing the services of a debt consolidator.  Do not confuse this process with "Debt Consolidation"

He is not the average debt consolidator that you find in and among the many websites on the internet.  He is not traditional.  He follows an administrative program that actually terminates the debt.    Although the banks create money out of thin air, we do not approach them on their fraud....we approach them on their violations of our rights utilizing existing statutes to our advantage.  We use attorneys who work on a contingency basis, and they are the debt consolidators.

The following is a detailed explanation of how our Credit Card Program works with a debt consolidator.

There are two programs, so we need to talk to you about your options utilizing a debt consolidator. 

Once we have received all documents, we will start the process by emailing you a letter to be sent to the lender(s) along with instructions on how to complete and mail the letter.  Once the letter has been mailed, you will need to forward to us (via fax or US Mail) any correspondence from the lender or any party purporting to represent the lender so we can determine if any follow up correspondence will be required.  Once two billing cycles or ninety days have elapsed,  you will contact us so we can put you in touch with the attorney, (the debt consolidator)  that will handle your case.  The attorney will require the following items.  Copies of the last three credit card statements, a phone log of any calls made by the lender to you, the date and time of the call, the reason the lender called and a copy of all three credit reports which should be ordered at the same time you will be contacting the attorney.  The credit reports are going to be reviewed by the debt consolidator to be sure the lender did not violate the credit reporting requirements.

Pursuant to 15 U.S.C. 1666, you are making billing inquiries associated with the extension of consumer credit. You notice the creditor that you believe your account billing statements contain errors in the total amount they allege to be due.  You also state that you believe that the statements contain billing errors under 15 U.S.C. 1666(b)(1), (2) and (5) based upon your belief that the creditor failed to give you all the proper disclosures required by law prior to opening your account and additional disclosures since then.  Because the creditor failed to provide these disclosures, the account could not legally be opened and you should not be responsible for the payment of interest, fees or other finance charges.  As you have made previous payments on this account that have been applied to these improper charges, the items that you claim are billing errors are improperly reflected on the statements in the incorrect amount and are inaccurate due to a computational or accounting error by the creditor.  Because you should not have been charged finance charges or fees for the history of this account, you are disputing the accuracy of certain items on your statements which have been calculated based on the inclusion of those charges: the current balance, the amounts and payments due and all finance charges and other fees charged since your account was opened.  The exact amount of all such previous finance charges and fees disputed will be determined after the creditor provides the documentary evidence requested by you.  The worse case scenario is you owe the creditor for only charges to the account and any cash advances. 

The debt consolidator will keep you advised of the progress.  What normally happens is the creditor violates the law and does not provide the required investigation.  As well as violations from their lack of an investigation for billing errors the creditor usually further violates TILA by trying to collect from the account holder as well as reporting derogatory information to the credit bureaus.  Everything the creditor does not do or does wrong is usually a violation in the process.  Each violation is worth a minimum of $100 and a maximum of $1,000.  The debt consolidator keeps track of these, and acts accordingly.

The ACR Ebook is available to help you