Our Dynamic
Debt Arbitration
Process

The third step toward credit score enhancement is the CHANGE PILLAR, where we enter into the debt arbitration process with our superior strategies to provide you optimal debt results. 

Illustration of woman signing debt arbitration settlement terms for credit repair.

Now it’s Time to Start the
Debt Arbitration Process

We start your credit repair with the first Check Pillar, which is when we investigate your credit reports during the Credit Report Analysis process.

Once we complete the first step, we move to the second, Challenge Pillar, where we dispute negative items with the credit report bureaus.

The next step is the third Change Pillar: the Debt Arbitration Process.

Illustration of a credit report after the arbitration process.

Welcome to the Change Pillar: Our Debt Arbitration Process Service 

During the Change Pillar, credit bureaus will release new credit reports. These reports will show the changes that have been made following the credit dispute process. If they have not removed the negative items, we will re-dispute them, depending on if they are within the statute of limitations or not.  

We repeat this process for as long as it takes to make sure your reports are correct.

If, on the other hand, negative items have been verified and cannot be removed, we step into the Debt Arbitration process.

What is Debt Arbitration?

Through Debt Arbitration, we help you validate any accounts you may have that are in collection or charged-off that cannot be removed through the dispute process.

In order to do this, we will need to validate your creditors that under the Fair Credit Reporting Act, you do not owe this debt. This, we verify through the statute of limitation for your state.

To begin the debt arbitration process, we will first analyze your complete financial capabilities including other factors to your report and then create a plan of action. 

Are You a Good Fit for Debt Arbitration?

Debt Arbitration is likely to be a particularly effective choice for you if:

  • You have not been able to make regular credit card payments
  • Your debt is unsecured

Creditors are just as concerned about unpaid debt as you are. Through the debt arbitration process, they will manage to get some returns on your debt instead of nothing. In fact, the more debt you owe, the more you can save on repayments. 

What Are the Advantages of Debt Arbitration?

Aside from paying less, there are several advantages to debt arbitration for you:

  • Debt arbitration can help you prevent your account from being sent to collections or being charged off
  • It can also have a long-term, positive impact on your credit

Debt arbitration is a process that can help transform your credit report in the case of immovable negative items. This process is one that we specialize in and is above and beyond what most other credit repair companies offer you. It allows you to move from the dispute process and help you settle your debts feasibly and affordably based on your financial situation.

Negotiate for a Better Looking Credit Report

This is where you advocate to begin the debt arbitration process with your creditors to get the item removed as well.

We know which creditors are receptive to these types of negotiations and how they like to have them handled. We are likewise familiar with proven negotiation strategies that get you what you deserve.

OUR DEBT ARBITRATION PROCESS SERVICES

THE CHANGE PILLAR

Icon showing priority for credit report disputing.

Statute of Limitations

Depending on your state, there are variable limits to collecting on a debt. However, collection companies transfer debt by selling or buying them prior to deadline.

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Collection to Judgement

Verified collections may be sent to garnishment with court approval. May be transferred to another collection company. 

Credit repair dispute letter icon.

Verifiable Debt

Based on the previous statute of limitations, an older debt can still be reported or collected upon as the expiration date gets moved from one company to another.

Question mark and exclamation mark blurbs representing credit disputing.

Judgement to Lien

Once judgement is obtained, a lien can be placed on any real property in order to potentially collect on the debt owed.

Credit repair dispute phone follow up icon.

Usury Laws

Depending on your state, there are variable limits to interest rates collecting on a debt. Some of these high interest rate businesses, as an example are Payday Lenders.

Improved credit score communication icon.

Effects of Liens

Preventing the sale or transfer of the property prior to the debt being paid. Depending on what type of lien may affect your report.

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Ready For a Life-Changing Experience? Let’s Do This!

Call (619) 794-0278 to Start Your Credit Evaluation Today.

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Copyright Ipsan West 2020

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