We strive for customer excellence. We are dedicated to helping consumers resolve their debt problems. We provide debt settlement services nationwide and work in professional alliance with many of the nation’s top reputable debt negotiation companies and law firms to assist clients as advocates for their rights.
To process your request, you will need to provide specific information, such as your name, current and previous addresses, telephone number, social security number, and date of birth. Also, to verify your identity, other information such as a copy of your driver's license, utility bill(s), or bank statement may be required. Keep in mind that the three large bureaus do not necessarily share information with each other.
The content of your credit report can be different at each bureau, so it's a good idea to request copies from each one.
To contact the three major credit bureaus:
P.O. Box 105873
Atlanta, GA 30348
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800) 916-8800 or (800) 888-4213
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
- Identifying Information: Your full name, any known aliases, current and previous addresses, social security number, year of birth, current and past employers, and, if applicable, similar information about your spouse.
- Credit Information: The accounts you have with banks, retailers, credit-card issuers, utility companies, and other lenders (accounts are listed by type of loan, such as mortgage, student loan, revolving credit, or installment loan; the date you opened the account; your credit limit or the loan amount; any co-signers of the loan; and your payment pattern over the past two years).
- Public Record Information: State and county court records on bankruptcy, tax liens, or monetary judgments (some consumer reporting agencies list non-monetary judgments as well).
- Recent Inquiries: The names of those who have obtained copies of your credit report within the past year (two years for employment purposes).
Once we have settled your debts, you should receive a certificate from your creditors stating paid to the satisfaction with a zero balance owed. However, it is important to remember that if you want to maintain a “good credit rating”, you need to pay your bills on time; anything else will cause your credit score to suffer.
Bankruptcy should be your last resort. Depending on which type of Bankruptcy is filed, you may still have to repay your debt and a monthly payment may be established. Bankruptcy is public record and will appear on your credit report for a number of years. In some cases, Debt Resolution may be a better alternative than Bankruptcy!
A debt resolution program has a similar approach where your debts will be combined with one monthly program payment but your debts are negotiated for less than what you owe. The average settlement ranges between 40-60% debt reduction. In debt resolution, your account will be handled by an attorney, paralegal and legal assistants. A creditor tends to treat an account differently when they know they must obey all of the laws governing them, and an attorney is going to be familiar with the laws of your state, which can definitely give you an advantage.
Unsecured debt is debt in which you borrow from a creditor to obtain goods or services on credit in exchange for your promise to repay the debt. The primary difference between secured and unsecured debt is that unsecured debt is not collateralized by personal property. Unsecured debt is commonly given in the form of credit card debt, commercial debt, medical debt, automobile repossessions, utility collections, and some personal loans. In many cases, these accounts can be successfully resolved through a debt resolution program.
Financial Rescue, LLC
|Address:||416 S. Hillview Drive,|
Milpitas, California 95035
Financial Rescue, LLC
|Address：||416 S. Hillview Drive,|
Milpitas, California 95035
Financial Rescue LLC (FRLLC) provides consumer leads to debt settlement providers and law firms to assist clients as advocates for their rights. We have a team of qualified experts who have come together to help people understand and resolve the different issues. We educate consumers by providing information and options to their financial concerns. We focus on the concerns clients’ face with repaying their debts, including credit cards, medical bills, unsecured loans and collection accounts. We also have a document preparation service to assist in applying for a Federal Student Loan Consolidation with the Department of Education.
Certified IAPDA Members have successfully completed the most recent version of the IAPDA training materials and certification exams, they are current with all industry practices, procedures and regulations and are totally equipped to professionally represent their consumer clients.
Debt Resolution Hardship Program
The idea behind debt resolution is to significantly lower your debt in the shortest amount of time possible with the best possible solution tailored to you, specifically. Through the Debt Resolution Hardship Program, your unique financial hardship is addressed through the assistance of an attorney program.
In this program, you will contract directly with a law firm, and be assisted by the law firm to substantially lower your overall unsecured debt amount. All the debt is combined together giving you one monthly program payment.
Debt Settlement Program
In the debt settlement program, your unsecured debts are settled for less than what you owe. Negotiations are done with each of your creditor, one at a time until the program is complete. The interest rates are not negotiated, the overall debt amount may be reduced to help you potentially eliminate the total debt faster than making the minimum payments every month. Your bills will be combined together giving you one monthly program payment. Your creditors are contacted to obtain a settlement on your behalf, however the settlements or payments are directed by you.
There is an add-on service made to compliment your debt settlement program, that can be combined with this program to provide you with full in-court legal representation if you so choose.
Legal Plan is available for consumers enrolled in the debt settlement program which will provide participants with attorney’s representation without limits, deductibles or co-payments. Client benefits include Legal Document Review, Creditor Lawsuit Defense, Preparation of all court filings and full court representation. During your debt relief enrollment period, you have the option for the Legal plan.
Federal Student Loan Consolidation Assistance Program
In Student Loan Consolidation Assistance Program, We provide a free consultation for those looking for assistance in document preparation services to assist in applying for Federal Student Loan Consolidation Services using Department of Education (“DOE”) forms. Through our partnered private company, not affiliated with any government agency, we will assist you in assembly and submission of student loan consolidation documents.