Our Process

Debt Relief Steps

Understand your situation and goals

We meet via phone, video chat, or at the office to understand your situation and goals. We really want to learn about your journey, where you want to go, and why.

Evaluate your professional credit report

Side by side with you, we’ll help you read your credit report, identifying areas for improvement and your options to resolve them.

Review budget and resource options

We will formulate a budget together, creating an inventory of your resources and showing you how to manage and optimize your finances so that you can reach your goals.


Eliminate Debt

We help you identify and eliminate harmful debt, opening up the path to a brighter financial future.

Reduce Expenses

We review your finances line by line, pointing out areas that you might be overpaying, based on data from our average clients.

Increase Cash Flow

We look for opportunities where you can save, improving your bottom line so that each dollar will count.

debt elimination
improve credit score


Improve Credit Scores

After you reset your debt, we can provide guidance and best practices for you to improve your credit score as quickly as possible.

Increase Savings

We analyze your monthly income and expenses for opportunities to save on better interest rates, improve saving habits, and develop a clear plan towards your needs.

Optimize Income

We provided you with tools and resources that will help you maintain focus on building income effectively and efficiently.


Reach Your Financial Goals

We develop a clear purpose together and work closely to overcome your hardships and achieve goals.

Qualify For Better Financing

We guide you to have the best credit scores so that you can achieve the best financing at the lowest interest rates.

Improve Your Quality of Life

We believe by saving more, reducing interest rates, and reducing financial stress, you will have more time and resources to spend on what truly matters to you.

Financial planning
Reach financial goals


Evaluate and Manage Goals

We understand that goals change so we will check in with you and evolve with you.

Identify New Challenges

We understand that the only constant in life is changes so we will adapt with you to overcome any new challenges.

Develop Opportunities

We constantly seek new approaches to each situation that could result in positive outcomes.

Our Customers Frequently Ask…

  • Personal budget is the most essential tool in your financial planning arsenal. It provides a snapshot view of your financial situation and actionable strategies to overcome the hurdles. With it by your side, you can plan your spending while getting an exact estimate of your known and unknown expenses. You are better informed to choose the tools and instruments to make the most of your income and save for the future. Get more tips on personal budgeting from us.

  • Our financial & credit education programs provide a thorough understanding of the FICO scoring system and guide individuals to navigate in the evolving world of personal finances. After completion of our Reset program, your credit scores will typically elevate to the upper 600s. Add our timely rebuild guidance to it, and you will soar to a 700+ credit score in a few short months. Watch yours grow!

  • Yes, we have Refocus Resources that may be able to help you reach your goals faster.

How it works