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Other Financial Services
- Credit Restoration
- Mortgage Assistance
- IRS Assistance
- Student Loan Help
- Insurance Options
- Bankruptcy
Credit Restoration
Studies show that 70% of all adult Americans have derogatory information on their credit reports. And, almost half of all credit reports contain errors that could be very damaging to the reputations of those who have been victimized. Who needs this service? Anyone buying or refinancing a home. Anyone with a bad credit history. Anyone needing debt settlement help
In 1970, the U.S. Congress enacted the Fair Credit Reporting Act to protect consumers from the unrestricted acts of the credit bureaus. We will assist you in taking advantage legally, honestly and ethically of the legislation that has been enacted to protect you. We offer two services to get your credit restored.
- If your case is relatively simple and you have adequate time on your hands, you can do it yourself by going to the public library and securing a book on credit restoration.
- You can request us to carry out a Credit Accuracy Verification Program for you at a very reasonable cost, well below the prevailing rate for similiar professional assistance in your area.
Mortgage Assistance
We are an independent branch of Benchmark Mortgage from Frisco TX. Because we are independent, we have access to hundreds of loan programs, and investor financing.We are able to place loans for people with good credit and loans for people that have had credit issues in their lives. We have programs available to those who have never been late with a payment and those that have had a bankruptcy in their recent past; even recent mortgage lates can be overcome with some of our innovative programs.
New loans, Refinancing with cash out, Second liens for paying off credit cards, Reverse Mortgages, we can do it all.
We have chosen to specialize (which means we will work harder) in the hard to place loans. We believe everyone deserves a chance at homeownership.
We can take your application by phone, fax and mail. We are licensed to work in most states.
IRS Assistance
IRS Assistance, Inc., an affiliated company of Phoenix Financial Services,
resolves your personal and business tax problems with effective Internal
Revenue Service representation. More that 30 million American individuals
and businesses have IRS tax liabilities.
Over the years, this company has helped save their clients MILLIONS of
dollars and has nationwide references available. IRS Assistance Inc. works
within the U.S. Tax Code to resolve taxpayer conflicts--even if the Internal
Revenue Service has already taken action. Our special expertise is in
negotiating with the Internal Revenue Service for a solution that is to your
best advantage.
Timing is Everything! If you have an individual or business tax problem, IRS Assistance, Inc. is
your best choice for an effective solution. We work with you and the taxing
authorities to minimize or avoid any adverse consequences. We emphasize to
our clients that timing is critical when faced with a tax problem. Do not
delay in getting professional help and, on the other hand, do not accelerate
the collection process inadvertently in your sincere attempt to work it out
alone with the Internal Revenue Service.
Additional Services: In addition to tax debt resolution, we can help you with professional
accounting and tax preparation services. Accounting services include general
ledger, payroll and financial statements. Tax preparation services include
individual, business and trust service.
Student Loan Help
Our Defaulted Student Loan Program is designed to help individuals with defaulted student loans get back on track through refinancing and consolidation of one or more student loans.Since Student Loans are usually guaranteed by the Federal Government, they do not go away. More recently, the government agencies and/or their collection representatives have become very aggressive in the collection of monies due. The defaulted student loan process works like this. Once you become our client, we will verify all the information regarding your student loan and contact the current holder of the loan to notify them that we will be representing you to resolve payment of that loan. Usually good faith payments will be required while we are processing the consolidation/refinancing. We will be in contact with you as soon as we have established what you need to do. If you are currently making payments, do not stop, this will hurt the negotiation process. It is our goal to get your student loan out of default as quickly as possible. Take control of your financial situation today and resolve your defaulted student loan.
Insurance Options
Definition- Insure to make certain, especially by taking necessary measures and precautions.
- To guarantee
We interview our clients to find out what is important for them and their families. We are independent, so we have no quotas required of us; our goal is to satisfy your needs.
The type and quantity of insurance is different for every individual or family. After the interview we will make some recommendations, we like to be able to give you choices.
When it comes to life insurance we have adopted the philosophy of “buy term and invest the difference”. We want you to spend as little as possible to get the most protection possible for your family, and we want to assist you in starting a savings plan so that when your term insurance runs out in 20 years, you are self insured without the need for additional insurance. It takes a plan to bring that to pass. We want to help you create that plan.
We have Universal Life and Whole Life policies, which are policies that you will eventually own. We also have Term Life, Home Owners decreasing Term Life for periods of 15, 20, or 30 year, which you will never actually own, but only rent. If you do not know which is best, we will help you understand the differences and let you make your own educated decision as to which you would prefer.
We also have available disability and long term care insurance. We do not offer any health, homeowners, or auto insurance. For more information please call (972)423-9557 or 1-800-211-1681
Bankruptcy
Bankruptcy can help in some instances:- It will stop foreclosure and repossession proceedings.
- It can stop the garnishment of wages.
- It can get you a fresh start.
However, it must be noted that even though a bankruptcy is deleted from the credit reports after 7-10 years, it is a public record available for viewing for literally the rest of your life. After your bankruptcy is discharged, whenever you apply for employment, loans, or insurance over $25,000 the application asks "Have you EVER filed a bankruptcy?"
Some Exemptions Apply: Federal tax debts, alimony, maintenance, child support, divorce settlements and student loans are exempt and not discharged through bankruptcy. Sometimes you can keep your car, but it depends on the equity in these assets, which chapter of bankruptcy you choose, and whether the items are pledged as collateral. Your lawyer can best advise.
Credit Affected: First of all, credit is a history of how you paid debts in the past. If you continue to pay on time, your credit will reflect that fact. Secondly, some creditors will actually look at you as a better risk after a bankruptcy because bankruptcy is no longer an option for you in the next 7-10 years. If you do a bankruptcy, wait only 6 months after discharge and then begin rebuilding your credit history by getting a secured Master card or Visa. (We can help you with this.) Also check your credit report to be sure all credit is being reported accurately. (We can help you with this too.)
