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American Express Settlement Advice

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One-on-one telephone consultation with debt settlement expert, Charles J. Phelan.

  • General background education on debt collection and negotiating settlements.
  • Review American Express policies and procedures for credit card debt settlement.
  • Develop a game plan specific for your situation.
  • Find out the facts before you sign up for any so-called “debt relief programs.”

CAUTION! Negotiating settlements with American Express is more difficult and tricky compared with most other major creditors. The risk of litigation is high, and legal action often takes place very quickly. No traditional debt settlement company or individual negotiator has any special magic for dealing with this difficult creditor. You’re better off handling the matter yourself by knowing in advance exactly what can or cannot be accomplished given your situation. The purpose of this consultation is to educate you, so you learn everything you need to know before you decide on strategy. The cost for this consultation is only $50, and this unique and vital information will potentially save you from being sued and having a judgment entered against you.

Budget Analysis & Financial Review

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A lack of proper budgeting and financial management often leads to mounting unsecured debt on credit cards or loans. There are no shortage of financial planners, but the truth is most of them are looking for high net worth clients with large sums of money to be managed. What the average household needs is a more practical approach to financial planning, when that applies when there’s no large savings to be managed. It’s the people most in need of such direction that receive the least attention from so-called financial planners.

For the one-time low fee of $197, Charles Phelan will personally review and analyze your budget. You will receive an analysis and financial review with step-by-step explanations and advice.

Benefits of Our Budget Analysis & Financial Review

  • Detailed line-by-line review and analysis of your current budget
  • Discussion on areas for potential expense reduction
  • Analysis and review of assets and liabilities
  • Analysis of current debt reduction efforts, recommended steps to improve
  • Review of mortgage terms, potential for modification or refinancing
  • General financial counseling and advice on just about any topic

Collection Situation Analysis & Game Plan

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One-on-one telephone consultation with debt settlement expert, Charles J. Phelan. Get help handling debt collection situations. Information is power! Together, we will cover these areas and more in your consultation:

  • Analysis of your collection scenario, overall financial situation, and goal for resolution.
  • General background discussion on debt collection tactics.
  • Tips on how to negotiate settlements.
  • Development of a game plan specific for your situation.
  • Recommendations for starting offers and target settlements.
  • 30 days follow-up support by email

For the one-time low fee of $150, Charles Phelan will personally interview you to first gain a complete understanding of the collection scenario you are facing, and then advise you on the best recommended course of action. Includes advice on settlements, or stipulated payment arrangements, as well as proper documentation. Also includes 30 days of follow-up support by email, an incredible value! Charles has coached thousands of people to safely resolve their collection accounts, and he can help you too.

Credit Report Review, Analysis & Game Plan

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A low credit score can cost you thousands of dollars in the form of high interest rates on loans and financing. There are no shortage of so-called “credit repair clinics,” but the truth is you can do all the steps needed to improve your credit score on your own, without paying huge fees to a third-party company.

For the one-time low fee of $197, Charles Phelan will personally review and analyze your credit report. You will receive a spreadsheet analysis and written “game plan” with step-by-step instructions and advice.

Benefits of Our Credit Report Review & Analysis

  • Detailed line-by-line review and analysis of current credit report
  • Discussion on resolution of public record items
  • Analysis and impact of current credit usage ratio, recommended steps to improve
  • Recommendations for disputing inaccurate negative entries
  • Step-by-step advice on how to rebuild good credit as quickly as possible
  • Counseling on credit repair scams and risky tactics to be avoided.

Please Note: Our $197 fee does not include the credit report itself. This must be ordered separately by the consumer. Please do not purchase your own report until we have discussed the necessary 3-in-1 format required for the analysis.

Document Review Service

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It is very common that you will receive letters from your creditors communicating the status of your debt with them. Sometimes it is a collections letter stating how much you owe and the consequences if you do not pay the debt. How should you respond?

Other times you may receive a debt settlement offer where your creditor is making an offer to you to reduce the debt if you agree to their terms. Should you accept? How should you respond?

Often the creditor is not going to act in your best interest, they simply want to get paid. You need to understand what these letters mean and how to respond appropriately in order to protect your credit and or reduce your debt by the largest amount possible.

Charles Phelan of ZipDebt is an industry leader in debt settlement, collections and credit issues. Mr. Phelan can apply his experience to review the letter(s) you receive, provide you with advice on how to respond with confidence and SAVE MONEY.

Benefits of Our Document Review Service

1. An in-depth review of a single credit, collections or settlement offer letter.
2. A full consultation to advise you on how to respond to your letter.
3. One business day turn around. You can have a review and advice within 24 hours.
4. Only $100. A one-time review and consultation fee could save you a lot of time and money.
5. Moneyback Guarantee.

You can order ZipDebt’s Document Review Service online and have Charles Phelan helping you within hours.