FAQ
Your funds are deposited into a separate FDIC-insured trust account in your name,. You control deposits, and funds are only used once you authorize a settlement.
No, we are not a law firm and do not provide legal advice. We provide negotiation, compliance, and settlement support services for unsecured debts.
Yes. Our specialty is challenging third-party collection accounts where documentation is often incomplete. If a debt buyer or law firm can fully validate, we negotiate instead.
If the collector fails to provide sufficient validation under FDCPA/Reg F and ceases collection activity; we document this outcome for your records.
No. We are a licensed NYC debt collection agency. We do not provide legal advice. If litigation arises, we can refer you to counsel.
We never advise clients to stop making payments without understanding the risks. Any settlement strategy should be discussed in detail based on your goals and creditor status.
No. We are not a credit repair company. We focus on the legality and resolution of collection accounts (validation + settlement).
Only after an invalidation or a signed settlement agreement. There are no surprise or monthly fees.
Yes. We also provide compliant collection and dispute workflows for NYC businesses and landlords.