What
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WHAT WE DO
We help you eliminate credit card (unsecured debt) in 30 months or less as well as residential, commercial and auto loans (secured debt) 8-10+ years sooner without refinancing, consolidating, bankruptcy or increasing your monthly payments.
This past year, S.H.O.C.ฎ assisted/helped 42 families get out of debt without having to declare bankruptcy; which most of them had been instructed to do. We saved a lot of homeowners millions of dollars they would have paid to their lending institutions (without refinancing or changing their monthly payment) just by putting their 15/30 year mortgages, mobile homes, auto loans and other secured debt on a split payment or biweekly payment plan with their existing lenders.
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HOW WE DO IT
S.H.O.C.sฎ primary goal is to offer simple, proven debt elimination strategies through our network of professional referral services based on the individuals specific needs.
A simple, one-page questionnaire is completed by the client. A trained debt specialist reviews it to make sure the client is able to enroll in the program, and forwards the necessary documents in 48 hrs after you have undergone quality control, to be completed and returned for processing.
You select a 12, 20 month or 30 month program.
Every prospect completes a confidential questionnaire so they will fully understand exactly how much debt they have and obtain a detailed budget plan to ELIMINATE (not Consolidate no need to borrow yourself in a deeper hole) their credit card/unsecured debt (any debt not secured by property) in 30 months or less; and their mortgage/secured debt (any debt secured by property) 8-10 yrs sooner without refinancing or changing their terms and contract.
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WHAT MAKES US UNIQUE
Our products and services are specifically designed to financially educate individuals on proper budgeting and debt elimination (not consolidation dont borrow money to pay off debt, if there is a better way).
We have trained debt specialist that will work directly with you during your 30-month completion of your program. You will not have to talk with your creditors. That is what the trained debt specialist job is.
You will not make monthly payments to your creditors. You will make a lump-sum settlement payment to your creditor (from your 3rd party, monthly trust account) once a settlement offer is accepted from your creditor.
The creditor will report to the 3 credit bureaus that your account has a zero balance and paid as agreed, settled or settled collection.
Our Debt Settlement Program does not show on your credit report like Consumer Credit Counseling and other non-profit credit counseling agencies which is looked at like a chapter 13 bankruptcy and can stay on your credit up to 10 years; And can take up to 6 years to complete and you pay back close to 90% of what you owed.
You complete our debt settlement program in 30 months or less whether you have $5,000 or $100,000 of credit card and other unsecured debt.
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WHO QUALIFIES
The rapid debt elimination strategies we teach are designed for any individual who has a minimum of $5,000 of credit card/unsecured debt and is struggling financially.
If you have been more than 30 days late to your creditors; in collections or considering bankruptcy, never been late but have a high or low debt-to-income ratio (of the 1.3 million consumers that file bankruptcy annually, 27% of them had never been late to their creditors).
If you have suffered a financial hardship due to medical problems, loss of job or a dramatic decrease in take-home pay.
Other conditions may apply based on individual assessment.
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Other Helpful Referral Sites:
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Steps To Debt Elimination
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