Disclosure

We Are Not a Law Firm

Providence Financial Solutions ("PFS") is a consumer rights advisory and intake firm — not a law firm, not a legal services provider, and not an attorney referral service licensed as such. PFS does not practice law, does not provide legal advice, and does not represent consumers in legal proceedings.

The attorneys who may ultimately represent you are independent, licensed professionals at separate Consumer Rights Law Firms. They are not employees or agents of PFS.

Our Role

PFS serves as the front-end advisory and intake team for a network of Consumer Rights Law Firms and consumer advocacy organizations. Our role is to:

• Listen to consumers who believe their rights may have been violated by debt collectors or creditors
• Help consumers understand what federal consumer protection laws — including the FDCPA, FCRA, and TCPA — generally protect against
• Assess whether a consumer's situation may involve potential violations worth pursuing
• Connect consumers with licensed consumer rights attorneys suited to their situation and jurisdiction

We are not the last stop — we are the first step. The attorneys at our partner law firms do the legal work.

No Attorney-Client Relationship

No attorney-client relationship is formed by contacting PFS, speaking with a PFS representative, or submitting a case review form. Communications with PFS are not privileged communications.

An attorney-client relationship can only be established with a licensed attorney at one of the independent law firms in our network, and only after that attorney has conducted their own review of your case and entered into a formal representation agreement with you.

How We Are Compensated

PFS does not charge consumers any fees — ever. We are compensated through arrangements with the Consumer Rights Law Firms and advocacy organizations in our referral network. Those firms recover their fees through statutory fee-shifting provisions in federal consumer protection law, meaning the party that violated your rights — not you — is responsible for attorney costs when the case is successful.

Our compensation arrangement does not affect the independence of the law firms in our network. They make their own case decisions and are not obligated to accept any referral.

Results Vary

Any outcomes described on this website — including case results, statutory damages, debt reductions, or other resolutions — represent real outcomes from specific past situations. They are not guarantees of future results. Consumer rights cases depend on the specific facts, documentation, jurisdiction, creditor conduct, and applicable law in each individual situation.

Your free case review will give you an honest, situation-specific assessment of what may be possible for your case.

Federal Laws Referenced on This Site

This website references several federal consumer protection statutes. Below is a plain-language description of each:

• FDCPA (Fair Debt Collection Practices Act): Federal law that prohibits abusive, deceptive, and unfair practices by debt collectors. Violations may entitle consumers to statutory damages of up to $1,000 per lawsuit, plus attorney fees paid by the violator.
• FCRA (Fair Credit Reporting Act): Federal law governing the accuracy and fairness of consumer credit information. Inaccurate or unauthorized information on your credit report may be actionable.
• TCPA (Telephone Consumer Protection Act): Federal law restricting auto-dialed calls, robocalls, prerecorded messages, and unsolicited texts. Violations may entitle consumers to $500–$1,500 per call or message.

Descriptions of these laws on this site are general and informational. They are not legal advice. Consult a licensed attorney for advice specific to your situation.

Questions

If you have questions about this disclosure or about who we are and how we operate, please contact us directly.

Providence Financial Solutions
Phoenix, Arizona
Email: hello@providencefinancialsolutions.com
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