The Debt Rolldown Plan has been designed to help families to become debt free, including your mortgage, in as little as 7-12 years without changing monthly expenses. Your unsecured debt (credit cards, signature loans, etc.) are typically paid off in just 2-3 years! Our Plan will show you how much money you will save, how much time you will save, and how we are going to accomplish your personalized debt elimination program. The Debt Rolldown Plan will also show you how we are going to get you an effective interest rate of less than 6% on ALL of your debts. This program includes automated monthly bill payment by our third party administrator. No more late fees, creditor phone calls or hassles with writing checks, licking envelopes and juggling bills to try and get them out on time. Sit back, relax, and let our system handle it all for you. Online monthly statements show what has been paid and what is remaining to help you monitor your progress.

Credit Arbitration is designed to help you restore your good credit. We recommend that our clients use Crednology, Inc. who specializes in credit restoration and credit education.  They accomplish this by contacting each of the three primary credit bureaus, reviewing your credit reports and disputing any inaccuracies.  Crednology shows you the exact point deductions per trade line so you can anticipate how your credit score will improve based on the FICO scoring model. Upon receipt of written notification the credit bureaus must verify the accuracy of the information in question. If they cannot verify the accuracy of the information, it must be permanently deleted from your credit file.

Mvelopes Personal is the most comprehensive electronic spending management system available today. This spending management system includes software for your PC and an integrated online transaction retrieval and bill pay service. Create a spending plan using envelope spending accounts that are tied to your income. The Spending Management Center links to Mvelopes Online Service to download financial account and transaction information as well as pay your bills online. Link to all your online banks and credit cards to retrieve all your transactions automatically. Click on the Mvelopes Personal logo to learn more and to receive your free 30 day trial copy.