Nothing. Your first consultation is completely free — no credit card, no commitment, no obligation of any kind. We review your situation, pull a soft credit report (zero impact to your score), and tell you what your options are. You decide from there.
No. Our job on the consultation call is to inform you — not to enroll you. We explain what we can do, what it will cost, and what the realistic timeline looks like. Then you decide. We don't use countdown timers, limited-time offers, or pressure tactics.
If you want to think it over, talk to someone, or call us back — that's completely fine. We'd rather you make a good decision than a fast one.
Not much. It helps to have a general sense of who you owe and approximately how much, but we pull your credit report during the call (soft pull — no score impact), so we can work through it together. You don't need to gather statements or documents before calling.
No. We perform a soft credit pull during your consultation — the kind that has zero impact on your credit score. It's the same type of inquiry that happens when you check your own credit. Lenders can't see it. It doesn't count against you.
We need this to review your accounts accurately. Without seeing what's actually on your report, we'd just be guessing — and we don't do that.
We enroll your accounts, you're connected with a licensed attorney at one of our partner law firms, and cease and desist notices go out to your creditors and collectors immediately — usually the same day. From that point, all creditor and collector communication goes to the attorneys at our partner law firms, not to you.
You also gain access to your online portal, where you can track your case status, view documents, and see updates in real time.
Most debt relief companies are not law firms. They negotiate — which requires your creditors to cooperate voluntarily. We connect you with consumer rights attorneys who enforce. Federal consumer protection laws give attorneys legal tools that non-attorney companies simply don't have.
Yes — from day one. As soon as you enroll, cease and desist notices are sent to all your enrolled creditors and collectors, legally instructing them to direct all communication to the attorneys at our partner law firms — not to you.
If a collector contacts you directly after receiving that notice, they may be in violation of the Fair Debt Collection Practices Act. You report it immediately — that violation can be pursued on your behalf.
We don't tell you to stop paying — that's a decision you make based on your own financial situation. What we can tell you is that the legal dispute process works differently than traditional settlement, which requires you to fall behind to create negotiation leverage.
The consumer rights attorneys we connect you with challenge the legal validity of the debt itself — which doesn't depend on whether you've missed payments. We'll walk you through what makes sense for your specific accounts during your consultation.
Most cases resolve within 24 months. That's the typical timeline from enrollment to resolution — which is significantly faster than most clients' current trajectory of making minimum payments with no end date in sight.
Some cases move faster. Cases involving active collector violations often see meaningful progress within the first 90 days. Your advisor will give you a realistic timeline for your specific accounts during your consultation — not an optimistic sales pitch.
Three ways — all of them proactive:
You will never have to chase us for information. If something meaningful happens on your case, you hear about it.
In the rare cases where a creditor has sufficient documentation to maintain legal standing, we shift strategy. The attorneys at our partner law firms negotiate the balance down as aggressively as possible — typically 35–50% below what you currently owe — and structure repayment terms that work for you.
This is still a significantly better outcome than traditional debt consolidation — which typically takes 2+ additional years, costs 35–50% more, and leaves a "settled for less" mark on your credit for 7 years.
No — you choose which accounts to enroll. That said, your advisor will walk you through the strategic implications of leaving certain accounts out. In some cases, keeping a creditor enrolled in the program provides better legal leverage and outcomes than handling it separately.
We'll make a recommendation based on your specific situation, but the decision is always yours.
Debt settlement companies are not law firms. They negotiate with your creditors — which requires those creditors to voluntarily cooperate. They typically require you to stop paying your bills, deposit money into a third-party escrow account for months or years, and then hope the creditor will settle.
We connect you with consumer rights attorneys who take legal action. Our partner law firms enforce federal consumer protection law. Your creditors aren't asked to cooperate — they're legally required to respond. We don't use escrow accounts. We don't require you to default first. And when a creditor violates your rights, the attorneys we connect you with can file suit against them.
Debt consolidation combines your debts into a single loan — usually at a lower interest rate — and you pay it off over time. You're still paying the full amount owed, plus interest, plus consolidation fees. The debt doesn't go away; it just gets reorganized.
Our legal process challenges whether the debt is legally valid and collectible in the first place. If a creditor cannot produce the required documentation, the debt becomes legally unenforceable — it can be removed entirely. That's a different outcome than consolidation at every level.
Bankruptcy is a legitimate option in some situations — and we'll tell you honestly if it might be better for your specific circumstances than what we offer. But for most clients, the legal dispute process produces better outcomes without the long-term consequences of bankruptcy.
Our process addresses the debt itself through legal channels — without the public record of a bankruptcy filing. Your consultation will clarify which path makes more sense for you.
Credit counseling and debt management plans (DMPs) work by negotiating lower interest rates with your creditors and having you make a single monthly payment over 3–5 years. You pay the full amount owed — the debt isn't challenged, reduced, or removed.
These programs work for some people — particularly those with stable income and manageable debt loads who mainly need rate relief. For clients with significant unsecured debt, collector harassment, or accounts that may not be legally valid, our legal approach typically produces faster and more favorable outcomes.
You can attempt to. The FDCPA and FCRA give you rights you can exercise independently — and if your situation is straightforward, a DYI approach may work. But there are meaningful limitations:
Depending on your starting point and which accounts are enrolled, there may be a short-term impact. If you're currently making minimum payments and stop (or have already missed payments), your score has likely already been affected. The legal dispute process typically has a better long-term credit outcome than traditional settlement because we fight for "as agreed" or "paid in full" reporting instead of "settled for less."
During your consultation, your advisor will walk through your specific accounts and give you an honest assessment — not a reassuring sales pitch.
When a debt is resolved, the creditor reports the outcome to the credit bureaus. That status — "settled for less than owed," "paid in full," "as agreed," or "charged off" — affects your credit significantly.
This distinction matters enormously for your financial future — qualifying for a mortgage, car loan, or business credit all depend on how your credit file reads.
Accounts in collections are often among the most valuable to address through the legal dispute process. Collection agencies frequently purchase debts without the complete documentation required to legally collect — chain of title breaks, missing agreements, incomplete payment histories.
When documentation is insufficient, the attorneys at our partner law firms can challenge the legal standing of the collection — potentially resulting in the account being removed entirely, rather than just settled.
We don't make blanket promises about credit repair — that would be misleading. What we can tell you honestly is this:
We won't tell you we can erase your credit history. We'll tell you what's actually achievable for your specific accounts.
Fees depend on your total enrolled debt and the complexity of your accounts. What we can tell you clearly:
Your consultation will include a complete breakdown of costs for your specific situation — not a general range designed to sound attractive.
Typically yes — but the structure is different from what you're doing now. Instead of multiple minimum payments to multiple creditors (primarily paying interest), your payments are structured around your enrolled accounts and go directly toward resolution — not into a third-party escrow account that sits idle while your debt grows.
For most clients, the monthly program payment is lower than what they're currently paying in minimums — while actually making progress toward resolution.
No. Before you sign anything, you'll receive a complete written breakdown of all fees — what they are, when they apply, and what they cover. Nothing changes after enrollment without your knowledge and agreement.
If at any point during your consultation you feel like you're getting a sales pitch instead of honest answers, stop the call. That's not how we operate.
We'll tell you honestly if we can't structure something that works for your situation. We'd rather give you a straight answer than enroll you in a program you can't sustain — that doesn't help anyone.
If we can't help you, we'll tell you what other options might make more sense — including ones we don't profit from.
Yes. When you enroll, you're connected with and represented by licensed consumer rights attorneys at one of our partner law firms — not a paralegal, not a document preparer, not a "specialist." These are attorneys licensed to practice law in your state who can file suit against creditors and collectors who violate your rights.
Providence Financial Solutions is not a law firm — we connect clients with licensed legal representation. The distinction matters because attorney representation gives you access to legal tools, protections, and remedies that non-attorney debt relief companies cannot provide.
If a creditor files a lawsuit against you, the attorneys at our partner law firms respond. You're not on your own. That's one of the core differences between attorney representation and working with a non-attorney debt relief company — when litigation happens, you have legal defense in place, not just a negotiation service that can't appear in court on your behalf.
If you're currently facing a lawsuit or have received a summons, mention this immediately when you call. Active litigation changes the timeline and strategy — and we need to prioritize accordingly.
Several federal statutes govern debt collection and credit reporting. The primary ones:
Which laws apply to your specific accounts depends on factors your consultation will identify — the type of debt, the creditor, how the account was handled, and the documentation available.
Yes — completely. The legal dispute process is grounded in federal consumer protection law. Challenging a creditor's legal standing to collect isn't a loophole — it's a right. Creditors are required by law to maintain documentation proving the debt is valid, properly assigned, and enforceable. When they can't, the debt becomes legally unenforceable.
This is the same legal framework consumer rights attorneys have used for decades. What's changed is that it's now accessible to ordinary consumers through services like ours — not just people who can afford private attorneys.
We primarily work with unsecured consumer debt:
We generally cannot help with: student loans (federal), mortgages, auto loans, IRS tax debt, or child support/alimony obligations. If you have a mix, we'll tell you what we can address and what we can't — no inflated claims.
We typically work with clients who have $10,000 or more in qualifying unsecured debt. Below that threshold, the legal process may not produce enough benefit to justify the cost — and we'll tell you that honestly if it's the case for your situation.
There's no maximum. Clients with $100,000 or more in debt often see the most dramatic outcomes, since the documentation gaps and violations tend to be larger and more numerous.
Our services are currently available to US residents with debt from US-based creditors. If you're a US citizen living abroad with domestic debt obligations, call us — eligibility depends on the specifics of your accounts and state of residence.