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We know both sides
of this fight.
Providence Financial Solutions was built by advisors who spent years watching the same story repeat — and decided to be on the right side of it.
Founder photo
The founding story

This firm exists because the same injustice kept repeating.

We watched good people — people who had worked hard, hit a rough stretch, and fallen behind — get buried not just by their debt, but by a system that counted on them not knowing their rights. Collectors who violated federal law daily because no one ever called them on it. Credit bureaus that reported inaccurate information because disputing it felt impossible.

"We didn't start this firm to process cases. We started it because we believe people deserve to know what the law actually allows them to do."

Providence means foresight — the ability to see a path forward when everything feels closed off. That's what we provide. Not just advisory services, but direction. A way through.

We carry our faith in the dignity of every person quietly. It shows in how we answer the phone, how we explain a complicated legal situation to someone who's scared, and how hard our partner attorneys fight when the case gets difficult. Not because it's good for business. Because it's right.

"We fight for the rights consumers often don't know they have — partnered with consumer rights attorneys, powered by experience, guided by purpose."

Brand mission · Providence Financial Solutions
What we stand for

Six things that don't change.

Every decision we make — how we price, how we communicate, how hard we fight — connects back to these.

01
Legal authority

Connected to real legal muscle through our partner law firms — not a call center reading from a script. Every case is handled by licensed attorneys who can actually enforce your rights in court.

02
Human advocacy

Clients are not case numbers. Debt is personal and often carried with shame. We treat everyone who comes to us as a person with agency — not a problem to be processed.

03
Guided resolution

No surprises. No jargon. We explain every step before we take it. Clients who understand their situation make better decisions — and we're here to make sure they understand.

04
Faith-rooted purpose

The name and the mark carry a quiet conviction that doing right by people is its own mandate. We don't advertise this. We live it in how we operate, price, and treat every client.

05
Radical transparency

We tell you what we can do, what we can't, and what it costs before you decide anything. No bait-and-switch. No fine print. You always know exactly what we make off your case.

06
Total tenacity

We don't settle early because it's easy. We fight until resolution — legally, persistently, and completely. Your case gets the same effort on day 200 as it does on day one.

Built differently

Better outcomes than the traditional path. By every measure.

We didn't build Providence to compete with debt counselors. We built it to replace an entire broken process — one that takes too long, costs too much, and leaves a permanent scar on your credit. Our approach through partner law firms changes every one of those numbers.

2 yrs
Saved vs. traditional debt consolidation timeline on average
7 yrs
Of credit damage avoided by fighting for "paid in full" vs. "settled for less"
35–50%
Average savings in total cost vs. traditional debt consolidation programs
$0
Upfront to get started — free consultation, no fees until you decide to enroll
The team

The advisory team behind the work.

Every case is supported by experienced advisors who connect you with licensed consumer rights attorneys.

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Senior Client Advisor
Founder · Consumer Rights Advisory

15+ years experience in consumer protection. Built Providence Financial Solutions after seeing the gap between consumers and the legal help available to them.

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Senior Case Advisor
FDCPA · FCRA Specialist

Specializes in collector harassment enforcement and credit bureau disputes. Has coordinated hundreds of FDCPA and FCRA actions on behalf of consumers across multiple states.

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Client Advocate
Case Management · Intake

Your first point of contact and ongoing liaison throughout the case. Makes sure every client understands their status, their rights, and what to expect at every stage.

Based in
Phoenix, AZ · Nationwide service
Specialties
FDCPA · FCRA · TCPA · Credit Card Act
Serving clients
Nationwide from Phoenix, AZ
Upfront fees
$0 — free consultation always
Why we do this

The name means something.

Providence — foresight, guidance, care. The ability to see a path forward when the person standing in front of you cannot. We chose this name deliberately. It reflects how we approach every client, every case, and every decision inside this firm.

"We carry our faith quietly. It shows in how we treat people — not in what we say."

We don't lead with this. We don't put it in our advertising. But if you work with us, you'll feel it — in the way we answer the phone at the end of a hard day, in how we explain something complicated to someone who's scared, and in how relentlessly our partner attorneys fight when the case gets difficult. Not because it's good for business. Because it's right.

The dawn mark in our logo says the same thing without words. Light after darkness. A way forward. That's what we're here to provide.

Work with us
Meet the team.
Start with a free call.

The best way to understand what we do is to talk. Twenty minutes. Free. No obligation of any kind.

Free · Confidential · No obligation · Your information stays private