2024 CREDIT REPAIR SERVICES AND PRICING

 Credit Repair Services

For Derogatory items - 

(You should be prepared to consider suing if you are not getting appropriate results due to Creditors/Collectors, and CRA's defiance of Federal Laws!)

1-6 items $1500  

7-12 items $2000

13-18 items $2500

Each account over 18 add $150 each.

Mailing services used are one or more of the different services - First Class with Proof of Mailing, Certified Mail, or Certified Mail with Return Receipt.

There is a first work fee and the balance is broken up into payments. Work agreement is a 6 month contract.

The letters we send out are proprietary and will only be shared if needed for a lawsuit. The letters are NOT for sale.

 

Above prices do not include public records, BK's or inquiries. 

Each BK add $250 if you want to pursue an attempt at deletion. These can be difficult to remove and if removed, it doesn't remove the public record so it will have to be disclosed if your goal is to purchase real estate, and sometimes other loans - usually federal loans.

Inquiry Removal

1-20 inquiries $20 per inquiry

Over 21 - 65 inquiries $15 per inquiry

Over 65 inquiries requires consultation for pricing.

DIY ASSISTANCE - 6 months Total price is $1100.

This process starts with a consultation to go over the derogatory information that needs to be corrected or deleted.  You will be doing the letters yourself but you will have a one-on-one consultation every month to go over what steps you need to take that month.

You will have help writing the letters and getting applicable laws to use. You will need to have a monitoring service that both you and I can log in to so I can see the progress and help you with each step.  Before each monthly consultation you will need to scan and email me copies of all correspondence you receive that responds to the letters sent the prior month.  That way I can show you how to respond to each of them.

This service helps you learn the credit repair process to use again and again for you, your family, friends or even possibly the basics to make money helping others. It's a great education. You learn how to dispute with creditors, collectors and credit reporting agencies. Each consultation will last for 1 hour to 1-1/2 hours typically,  Consultation fees must be paid PRIOR to the consultation.

DIY original/first consultations - $350

DIY follow up consultations - $150/hour or any part of the hour.

Q & A consultations - $95/half hour or $150 for 1 hour or any part of over 1/2 hr. These are just simple Q & A consultations but very informative. Questions sent to me PRIOR to the consultation are preferred so as to not waste your time. Does not include consultations for lawsuits.

*** WE ARE NOT LAWYERS AND DO NOT GIVE LEGAL ADVICE*** WE DO NOT GUARANTEE RESULTS AS THAT IS A VIOLATION OF FEDERAL LAW***

What we do for lawsuits is based on experience, research, laws and other legal ammunition. We have a great success record. We don't like to negotiate, we like to fight back and win.  You should schedule an appointment with us the day you get served if possible and even better, if you find out prior to being served that you are being sued. You should contact us ASAP as you have a very limited time to file your answer. 

Should you feel you need to hire a lawyer, which deems you incompetent (not my opinion, that is the law saying that), you should seek one out that you trust to fight for you and not pressure you to settle or file BK, knowing though that lawyers take an oath to the BAR and their BAR buddies come first. Know that you will not be their first place fiduciary position for many attorneys. We assist you to fight on your own, appearing pro per or sui juris.

We like to fight back. We don't believe in paying ANY 3rd party collector any amount because they are not owed it, even if the case is for a low amount. We don't believe in paying any "original creditor" for a charged off account either because they've been paid over and over again and are not owed whatever they claim you owe. This is why we prefer to fight back and not just ignore it and get a default judgment or settle with them, and certainly not bankruptcy. Attorneys prefer to advise you to settle or file for bankruptcy. We don't agree with that recommendation. Should you lose your lawsuit, they/the plaintiff will get to collect the amount of the lawsuit, court fees, legal fees, pre-trial/pre-judgment interest, and court ordered interest that can escalate to ridiculously high amounts, plus it's on your record for at least ten years in most states, with some lasting even twenty years. 

DIY Lawsuit Consultations, First consultation is $500 for up to One and a half hours and includes review of the lawsuit against you, gives overview on answering the lawsuits, discusses different motions you may want to include with your answer. Needs an appointment and email with summons/complaint PRIOR to the consultation so I can have time to review the lawsuit and not waste consultation time doing the review. The first consultation fee paid will be credited to the total cost of the services. 

The total price of the lawsuit defense services are $4500, paid in installments.

Should you hire us for lawsuit services, you get $350 credit towards the first installment of $1500, meaning the $1150 balance on the first installment is paid prior to receiving your Answer and instructions on how to file and send to the Plaintiff/attorney. The answer may include some motions - what all is included is based on what they have in their complaint. 

Hopefully you have done some disputing prior to getting sued. Copies of those letters and any proof of mailings will need to be made part of the attachments that go with your Answer.

The second installment of $1500 will be due in a month. This will cover any oppositions to their motions, any other motions you may need, case management responses and documents, and possibly Discovery.

The third installment of $1500 will cover Discovery responses and Discovery requests.  Everything you receive from your accuser/plaintiff will need to be sent to us asap as we need to be able to counter or respond to whatever bs they serve on you.

It's rare for a Plaintiff to just early on dismiss the case. You 99% of the time will have to go to hearings and trial. But, we help with motions to slam them and instructions on how to perform. It can be scary but we help put you in a better position than most attorneys. We are also seeing a lot of cases being held by zoom calls with the courts.

We also have an advanced tactic that we can use if need be. This is where we motion for a stay on the case until a determination can be made in federal court. This means that we will sue your Plaintiff and enjoin their attorney and that entire law firm, forcing all of them to get their own attorneys. 

There is case law that says even just 1 violation by the creditor is grounds for judgment for the consumer (you), which means you win in federal court, which in turn causes them to dismiss in the lower civil court. We cannot guarantee a win, no one can, but that's what we fight for and have been extremely successful in getting our clients a win. 

So far, for clients that show up, file paperwork as instructed and on time, follow our directions on what to say/not say in court, send us EVERYTHING received from case parties and courts as soon as received, we have a 100% win rate!

 IMPORTANT DISCLOSURE: 

WE ARE NOT ATTORNEYS NOR MEMBERS OF ANY BAR! We work in the background and stay anonymous to the courts, Plaintiff's and their attorneys. This way we can continue to help others fight back successfully.

Please keep in mind that all "payments" are donations and are tax deductible 

as Future Fico is a legal non-profit organization.

Contact us at futurefico@gmail.com for methods of payments accepted.

Thank you.