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.
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.
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.
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.
Debt Arbitration is likely to be a particularly effective choice for you if:
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.
Aside from paying less, there are several advantages to debt arbitration for you:
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.
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.
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.
Verified collections may be sent to garnishment with court approval. May be transferred to another collection company.
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.
Once judgement is obtained, a lien can be placed on any real property in order to potentially collect on the debt owed.
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.
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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DISCLAIMER: FINANCIAL, LEGAL & TAX NOTICE: Ipsan West (IW) does not provide tax, legal, or financial advice. Please consult a licensed attorney, CPA, or financial adviser for these types of professional services.
CALIFORNIA BASED BUSINESS: Ipsan West is a California based company that does business only within the State of California. However, IW accepts non-California clients who initiate contact with us to retain our California-based services. All IP credit repair services are strictly operated within the state of California.
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