Credit Repair in Miami Florida 33257

Credit Repair F.A.Q’s

CDHA have always been strong backers for banning advance fees. When performed properly and perfectly, Credit Repair is a great alternative to Bankruptcy. We recognize the failed model of the upfront fee companies and certain attorney models. In our engagement to put consumers first we do not charge upfront fees to settle debt. All the while, still given our clients with untouchable customer service and huge debt settlements. It is now a law since October of 2010 but We have been doing it this way since the day we started our firm in 2009 providing Credit Repair services in Miami Florida 33257.

Please find answers to different questions below. If you need support, we welcome to call with all additional questions so we can lend a hand on your process to get out of debt today!

• Who is the best Credit Repair company in Miami Florida?

  CDHA Company is your best option for providing Credit Repair company in Miami Florida! The reason for this is simple… No Results, No Fees. You don’t pay until a settlement achieved and the first payment made. It is a win-win for you. Still unsure? At this instant don’t just take our opinion. Therefore, you can explore our thousands of 5 Star reviews online! For this reason we suggest you to google us and read what all our elated customers have to say. Generally speaking we may not be as huge in Miami Florida as some of the other Credit Repair companies out there, but to summarize what Consumer Debt Help Association lacks in size we make up for in our unmatched assistance for our clientele.

• How does your Credit Repair work with your company?

  Our Credit Repair service involves reviewing a customer’s credit accounts and budget with a debtor to see if our Credit Repair program is the greatest fit. In only a few cases we have to reject people down because they are not eligible. Most times Bankruptcy, Credit Counseling, or sometimes just attempting to use the debt snowball program to pay off the debt is a better option for certain people. After it is decided that Consumer Debt Help Association is the right answer, we lay out the elective legal access plan. In most cases legal plans are not necessary and it is basically the arrangement of the debtor to conclude if they want legal preservation or if they are prone to go without. You will put John Hancock on all of the agreements and get recorded into our back end Customer Relationship Management system for processing. The customer service branch will then reach out to you within 1 business day to schedule an acceptance phonecall. In this phone call we go over what to expect, make certain all the information on the contracts are true and ask for any other details that may be vital. On the date of your choice your beginning payment will be taken from your bank account and sent to your FDIC insured account to keep for settlements. We will dispatch Cease and Desist notices to your creditors, sent with the letters of representation, so they know you are operating with our company. Once all of the initial stages are ended your obligation is to keep us informed on any changes that may transpire with your accounts. Let us settle your debt by providing our second to none Credit Repair service today.

• What fee(s) can I forecast for your Credit Repair service?

  Fees range depending when serving Credit Repair services in Florida, but commonly Consumer Debt Help charges a reduced flat fee of the enrolled balances for each account in the program. This fee is not in any way taken before an account is settled and the creditor has been paid, so you can relax with us that your accounts will be promptly handled with care. Yet we have one of the greatest approval ratings in the industry our charges are still one of the smallest around. Pick up the phone today to see how our program can help you.

• Are Credit Repair services actually worth it?

  In brief we can lend a hand on the journey to becoming debt-free by providing you the expert advice and negotiating power that you need to bring your creditors to stipulate to fix your debts for lower. In the long run dealing with your debts will allow you to use your income to prepare for your future, instead of paying interest on completed purchases. CDHA empowers our clients to get out of debt in less time than if they stick to make the minimum payments. Ultimately, more importantly, all in all it allows them peace of mind while doing so providing our Credit Repair help.

• Will the creditors present me debt settlements directly?

  Absolutely, creditors will produce you settlement offers directly. The pickle is when they reach out to you they recognize that you do not understand all of the federal and interstate procedures and will try and scare you into taking higher settlement offers, and it commonly works. Since we work with these creditors every day we understand what the Florida regulations are and are not misguided or taken advantage of as debtors constantly are. Seeing that we have been settling debt with these creditors for over a decade and we made relationships with them. We go to them with stacks of consumer accounts at a time and generally we get reduced offers on bulk settlements than we can on just one, therefore you save more money. When you have IAPDA Certified Debt Negotiators on your lineup you will always come out top dog.

• How much money will be needed to settle my debt?

  Every creditor is different, this is a tricky question. Some creditors will let us set up term settlement payments in the second month of default and some creditors will not offer a settlement for 16 months of default. The same creditor will sometimes have different standard procedures according to the amount that they can go down to depending on how delinquent the account is and State of Florida regulations. We work on accounts according to creditor rules, you may detect your largest account settled first at a very low amount or you may see some of your smallest accounts settled first, depending on your creditor detail and creditor standard procedures in Miami Florida 33257. But sit back we have your best interest at heart and will relentlessly try to get you the smallest Credit Repair settlement amount available.

• What types of debts can be settled in Miami Florida?

  CDHA works with all unsecured accounts which provides Credit Repair services. This incorporates but is not confined to Credit Card, Credit Union Memberships, Car Repossessions, Payday Loans, Doctor Bills, Utility Bills in Collections, Private Student Loans (but never federal loans). Also store cards with some examples: First Premier Bank, Citibank, Macy’s,Lending Club, and many others. A few creditors will give lower Credit Repair settlement offers than other creditors, and we have been working relentlessly to build connections to help achieve the best amount possible. This sets up us to get the least Credit Repair settlement offers with even the toughest creditors.

• How will my credit be affected from Credit Repair services?

  Anything other than putting down at least the minimum payments on your credit accounts will have a poor impact on your credit. Seeing as the accounts that we resolve must be delinquent, consumer’s credit scores will be affected by participating in our Credit Repair program. Most consumers looking into debt relief are looking to take care of a debt matter and the unfavorable affect on their credit score. All along this process is unavoidable. This Credit Repair program is for people who are struggling to keep up or who have by this time fallen behind. If someone has the ability to keep their accounts present then this program may not be the greatest option for them.

• Will I still receive exhausting phone calls from my creditors?

  If you are already receiving collection calls you will still receive them for a short time after enrollment. After you entered in our CRM software with us we will assign Cease and Desist letters to complete list of your creditors and this will guide them to call and assign all correspondence to our office instead of harassing you. This takes about 4-6 weeks on average after we get the needed paperwork back from you and post out the Cease and Desist letters to your creditors for them to alter the notices sent to our office. Now if you are up to date and feel that our program is the best fit for you, by the time the collection corporation calls would have begun with the creditors will have already obtained and filed the Cease and Desist letters and they will contact us from the start.

• Who is holding my funds while we are providing Credit Repair?

  Your funds will be stored in a definite savings account that is opened in your name and is FDIC insured. You will own these funds until they are activated for Credit Repair settlements. Consumer Debt Help Association recommends the services provided by Global Client Solutions for this dedicated savings account.

• Do we provide Credit Repair in Miami Florida 33257?

  You can review us on your states approved Debt Settlement Companies list to find that we are trustworthy and endorsed to perform this service in your state. We actively add new states to our catalog of Credit Repair services, but for now we are focusing on the states above. If you live in a state other than the listed states we may be opening up in that state shortly, so send us an email to see if your state may be available shortly.

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