Analysis and Insights Page

Insights: We ran our debt relief comparison calculator and are 60% confident that Debt Settlement may be the best option for you. Recommendation information incomplete. See below. The reasons for our confidence is below. Please note this is an estimate based on the data provided and our knowledge of your creditors at the time this was taken. Actual results may vary.

1) Compare Fees and Timeline

Estimate	Debt Settlement	Chapter 13	Debt Payoff
Total to Unsecured	$17,500	$35,000	$35,000
Total Fees and Interest	$5,250	$15,811	$16,142

Total Cost To You	$22,750	$50,811	$51,142
Monthly Payment	$495	$5,142	$787
Debt Free Date	46 Months	36 Months	65 Months

2) Debt Settlement Options

Partner	Est. Monthly Payment	Debt Included	BBB Grade	Term Length
CuraDebt Debt Settlement	$422	$35,000	A+	60
Oak View Law Group	$495	$35,000	A-	46
CuraDebt Debt Settlement	$525	$35,000	A+	48
New Era Debt Solutions	$547	$35,000	A+	46
Oak View Law Group	$669	$35,000	A-	34
New Era Debt Solutions	$735	$35,000	A+	34

3) Debt Settlement Plan Estimate

46 Month Plan

Estimated Monthly Payment

$495

for 46 months

Your Monthly Payments*

Program fee	$114
Administrative fee	$0
Settlement amount	$380

Total Debt	$35,000
Total Paid	$22,750
Estimated Tax	$2,695
Total Saved	$9,555
Assumptions Settlement percentage of 50% of enrolled debt if no creditors added. Creditor specific estimates if creditors provided. Results may vary All creditors will negotiate for a settlement. Results may vary by creditor Fees and interest included in settlement percentage For tax solvent, we estimate the amount saved * 22% federal income tax bracket for "Estimated Tax"

40 Month Plan

Estimated Monthly Payment

$569

for 40 months

Your Monthly Payments*

Program fee	$131
Administrative fee	$0
Settlement amount	$438

Total Debt	$35,000
Total Paid	$22,750
Estimated Tax	$2,695
Total Saved	$9,555
Assumptions Settlement percentage of 50% of enrolled debt if no creditors added. Creditor specific estimates if creditors provided. Results may vary All creditors will negotiate for a settlement. Results may vary by creditor Fees and interest included in settlement percentage For tax solvent, we estimate the amount saved * 22% federal income tax bracket for "Estimated Tax"

4) Lawsuit Likelihood

Missing creditor data. Please provide your creditor information and balance to find your updated lawsuit likelihood estimates.

	Creditor Name	Approximate Balance
			×
			×
			×
			×
	Add another creditor

Chartway Federal Credit Union (Creditor)
Autumnwood Apartments (Creditor)
Equitable Finance Company (Creditor)
Westamerica Bank (Creditor)
Signal Financial Federal Credit Union (Creditor)
Woods of Ridgmar Apartments (Creditor)
Memorial Care (Medical) (Creditor)
Jackson Area Federal Credit Union (Creditor)
Citizens Community Credit Union (Creditor)
The Ridge Gainesville Apartments (Creditor)
Iredell Health System Medical (Creditor)
Alliance Credit Union (Creditor)
State Employees Federal Credit Union (Creditor)
Kitsap Credit Union (Creditor)
Wright-Patt Credit Union (Creditor)
The Pines Apartments (Creditor)
Unify Financial Credit Union (Creditor)
Credit Union of Ohio (Creditor)
Crouse Hospital (Creditor)
Westchas Ranch Apartment (Creditor)
Century Federal Credit Union (Creditor)
Priceline (Creditor)
Langley Federal Credit Union (Creditor)
Memorial Credit Union (Creditor)
Premier Financial Credit Union (Creditor)
Tinker Federal Credit Union (Creditor)
North Fulton Hospital (Creditor)
Revere Health (Creditor)
St George Radiology (Creditor)
EPIC Emergency Physicans Integrated Care (Creditor)
American Fork Ambulance (Creditor)
Lehi Fire Department (Creditor)
Murray City Ambulance (Creditor)
Jordan Valley Medical Center West Valley Campus (Creditor)
PECO Energy Company (Creditor)
Star 1 Credit Union (Creditor)
Cinfed Credit Union (Creditor)
Hickam Federal Credit Union (Creditor)
Lake Michigan Credit Union (Creditor)
EPIC Emergency Physicians Integrated Care (Creditor)
North Valley Emergency Physicians (Creditor)
Utah Imaging Associates (Creditor)
LendUp (Creditor)
SunUp Financial (Creditor)
TruMark Credit Union (Creditor)
Virginia National Bank (Creditor)
Active Living Health Center Medical (Creditor)
Wakonda Village and Manor Apartments (Creditor)
CAN Capital (Creditor)
Linden Audubon Park Apartments (Creditor)
Arrowhead Credit Union (Creditor)
Funding Circle (Creditor)
IOU Financial (Creditor)
Inspirus Credit Union (Creditor)
Physician and Dentists Credit Bureau (Creditor)
La Palma Intercommunity Hospital (Creditor)
Grow Finacial Credit Union (Creditor)
Suncoast Credit Union (Creditor)
Axiom Acquisition Ventures, LLC (Creditor)
St. Louis Community Credit Union (Creditor)
One Nevada Credit Union (Creditor)
Community Credit Union of FL (Creditor)
USALLIANCE Financial Federal Credit Union (Creditor)
Municipal Credit Union (Creditor)
Vie at Raleigh Apartments (Creditor)
Rockdale Medical Center (Creditor)
Purdue Federal Credit Union (Creditor)
The Hills Apartments (Creditor)
Tally (Creditor)
Swift (Creditor)
Lendini (Creditor)
Providence Place Apartments (Creditor)
Treasury Department Federal Credit Union (Creditor)
The Woods at Ridgeway Apartments (Creditor)
Advance America (Creditor)
Aspen Financial Direct (Creditor)
First Heritage Federal Credit Union (Creditor)
National Grid (Creditor)
Unitil Corporation (Creditor)
Umass Memorial Hospital (Creditor)
LightStream (Creditor)
Silver Cloud Financial (Creditor)
Real Time Resolutions (Creditor)
Essex House by American Retirement Homes (Creditor)
Pilot Finance (Creditor)
Landings of Carrier Parkway Apartments (Creditor)
Riverhill Apartments (Creditor)
Lane Bryant (Creditor)
Durham Park Townhomes (Creditor)
Washington State Employees Credit Union (WSECU) (Creditor)
Pentagon Fed Credit Union (Creditor)
Williamsburg Apartments (Creditor)
Fundation (Creditor)
Belmont Crossing Apartments (Creditor)
Sharonview Federal Credit Union (Creditor)
Sheridan Health Medical Bill (Creditor)
The Medve Group Apartments (Creditor)
Alegis Group (Creditor)
Sherman Financial Group (Creditor)
Resurgent Capital Services (Creditor)
TEMPOE (Creditor)
Digital Fed Credit Union Visa (Creditor)
Digital Fed Credit Union Visa (Creditor)
Digital Fed Credit Union Visa (Creditor)
Digital Fed Credit Union Visa (Creditor)
T-Mobile (Creditor)
Kia Motors Finance (Creditor)
Discovery at Rowlett Creek Apartments (Creditor)
EMP of Fairfield County LLC (Creditor)
Aris Radiology Medical (Creditor)
Rooms To Go (Creditor)
Chicago Patrolmen's Federal Credit Union (Cpdfcu) (Creditor)
The Edge Apartments (Creditor)
Delta Credit Union (Creditor)
Tower Loan (Creditor)
(Creditor)
Atlanta Medical Center (Creditor)
Connexus Credit Union (Creditor)
University Of Phoenix - Federal Student Loan (Creditor)
University Of Phoenix - Private Student Loan (Creditor)
Upstart (Creditor)
One Main Financial (Creditor)
Avant (Creditor)
SoFi (Creditor)
Christopher Tye Dentist (Creditor)
CenturyLink (Creditor)
Farmers State Bank (Creditor)
Crest Oasis Apartments (Creditor)
Aqua Finance (Creditor)
Suntrust Bank (Creditor)
Duke Energy (Creditor)
Discover Line of Credit (LOC) (Creditor)
Discover Credit Card (Creditor)
Government Employees Credit Union (GECU) (Creditor)
Hugh John Gibson Atty at Law (Creditor)
Delta Community Credit Union (Creditor)
OppLoans (Creditor)
Mark VII Apartments (Creditor)
Steele Hill Resorts (Creditor)
Creekside Corners Apartments (Creditor)
First Franklin Financial (Creditor)
Whittier College (Creditor)
Medical Center (Creditor)
American Express (Amex) (Creditor)
UMB Bank (Creditor)
Governor's Place the Lenox Apartments (Creditor)
Boston Interiors (Creditor)
Hospital (Creditor)
New London Fire Ambulance Medical (Creditor)
Villas De La Cruz Apartments (Creditor)
Unsure. Hospital? (Creditor)
Congressional Federal Credit Union (Creditor)
Santander Bank - Auto Loan (Creditor)
Scotiabank (Creditor)
Bonner General Hospital (Creditor)
Discovery at the Realm (Castle Hills) (Creditor)
RTN Federal Credit Union (Creditor)
First Citizens Bank (Creditor)
Dollar Loan Center (Creditor)
Broadmoor Apartments (Creditor)
CommunityWide Federal Credit Union (Creditor)
Ballad Health (Creditor)
hhgregg (Creditor)
The Promenade at Berkeley (Creditor)
Eastman Credit Union (Creditor)
Parkside Grand Parkway (Creditor)
Vanoni Ranch Apartments (Creditor)
University Heights (Creditor)
Bethpage Federal Credit Union (Creditor)
Silver Spring Emergency Physicians (Creditor)
Stone Haven Pointe Apartments (Creditor)
Sterling Pelham Apartments (Creditor)
Entergy (Creditor)
Waukesha Memorial Hospital (Creditor)
North Arkansas Medical Center (Creditor)
Midwest Imaging Professionals Llc. (Creditor)
American Eagle (Creditor)
Baptist Health Lexington (Creditor)
Redwood Credit Union (Creditor)
CBC Credit Union (Creditor)
Evergreen Apartments at Christiana Reserve (Creditor)
Charter Communications (Creditor)
Verizon (Creditor)
Mr. Amazing Loans (Creditor)
Big Lots (Creditor)
CommunityAmerica Credit Union (Creditor)
Missouri Department of Revenue (Creditor)
California Franchise Tax Board (Creditor)
Internal Revenue Service (IRS) (Creditor)
Echelon Apartments (Creditor)
Gulf Winds Federal Credit Union (Creditor)
Tyndall Credit Union (Creditor)
LendingUSA (Creditor)
TRIMED (Creditor)
Andrews Federal Credit Union (Creditor)
Medical Intellirad Imaging Llc (Creditor)
Indiana University Health (Creditor)
Maryland Oral Surgery of Silver Spring (Creditor)
Signature Realty LLC (Creditor)
Resurgence Financial LLC (Creditor)
Medical Center of Southeast Texas (Creditor)
First Saving Credit Card (Creditor)
ESL Federal Credit Union (Creditor)
University Medical Center at Princeton (Creditor)
Brookhaven Townhomes (Creditor)
Parks of Northside Apartments (Creditor)
David's Bridal (Creditor)
B & a Associates, LLC (Creditor)
Terrace View Apartments (Creditor)
Dr. Cary J. Bortnick, MD (Creditor)
B & a Associates LLC (21 Kristin Place Apartments) (Creditor)
Tan Oak Lending (Creditor)
The Gan Eden Group (Creditor)
Avail Blue (Creditor)
The Commons (Creditor)
Canvas Apartments (Creditor)
Unifund Partners (Creditor)
Delano Apartments (Creditor)
Woodforest National Bank (Creditor)
Keesler Federal Credit Union (Creditor)
Younkers (Creditor)
Hot Topic (Creditor)
Saint Lukes Hospital (Creditor)
TLC Credit Union (Creditor)
Invitation Homes Apartments (Creditor)
Carson Tahoe Health Medical Center (Creditor)
Maverick Transportation LLC (Creditor)
First Hawaiian Bank (Creditor)
Dominion Energy Virginia Power (Creditor)
Robins Financial Credit Union (Creditor)
St Joseph Hospital (Creditor)
Iu Health Hospital (Creditor)
DICK'S Sporting Goods (Creditor)
Helzberg Diamonds (Creditor)
Corning Credit Union (Creditor)
ReliaMax - Private Student Loan (Creditor)
Arvest Bank (Creditor)
Freeman Hospital (Creditor)
MBNA (Creditor)
Canadian Imperial Bank of Commerce (CIBC) (Creditor)
Bank of Montreal (BMO) (Creditor)
Space Coast Credit Union (Creditor)
Lexington Medical Center (Creditor)
The University of Memphis (Creditor)
Copperfield North Apartments (Creditor)
First Electronic Bank (Creditor)
Pecan Creek Emergency Physicians (Creditor)
Main Street Renewal LLC (Creditor)
Texas Health Physicians Group (Creditor)
Alexan Las Colinas Apartments (Creditor)
Dimension Funding LLC (Creditor)
Ulta Rewards Mastercard (Creditor)
R-G Federal Credit Union (Creditor)
Conduent Education Services - Private Student Loan (Creditor)
ACS - Private Student Loan (Creditor)
ACS - Federal Student Loan (Creditor)
Conduent Education Services - Federal Student Loan (Creditor)
American Education Services - Private Loan (AES) (Creditor)
American Education Services - Federal Loan (AES) (Creditor)
Aurora Health Care (Creditor)
Naugatuck Valley Radiology Associates (Creditor)
Yard Card (Creditor)
Oklahoma Gas & Electric Company (OG&E) (Creditor)
San Diego Gas & Electric (Creditor)
Star Loans (Creditor)
MO Payday Loans (Creditor)
First Virginia Bank (Creditor)
Banco Popular Credit Line (Creditor)
Labcorp (Creditor)
Lincare (Creditor)
First National Credit Card (Creditor)
Chevron (Creditor)
Bryant State Bank (Creditor)
Sportsman's Guide (Creditor)
Public Service Enterprise Group (PSE&G) (Creditor)
Emerg Medical Phys Affinity (Creditor)
Casper Medical Imaging (Creditor)
Wyoming Medical Center (Creditor)
Key Bridge Medical Revenue (Creditor)
Ollo Card (Creditor)
Madison at River Sound Apartments (Creditor)
Citizens Memorial Hospital (Creditor)
Regional Finance (Creditor)
Michigan Government and Schools Credit Union (Creditor)
Bankers Healthcare Group (Creditor)
Morgan Properties (Creditor)
Asset Acceptance Capital Corporation (Creditor)
Galaxy Portfolios (Creditor)
Lakeside Village Apartments (Creditor)
PCA Acquisitions (Creditor)
Sherwood Forest Apartments (Creditor)
First Community Credit Union (Creditor)
Valley Income Properties (Creditor)
Antech Diagnostics (Creditor)
Small Business Administration (SBA) (Creditor)
Intrust Bank by American Express (Creditor)
Intrust Bank by Elan (Creditor)
Timbermill Apartments (Creditor)
Agriculture Federal Credit Union (Creditor)
Communiry 1st Credit Union (Creditor)
Baltimore Gas and Electric (BGE) (Creditor)
Patient First Medical (Creditor)
Barksdale Federal Credit Union (Creditor)
Dunwoodie Place Apartments (Creditor)
Banner Del Web Hospital (Creditor)
Medical Data Systems Inc (Creditor)
Nelnet - Federal Student Loan (Creditor)
City Credit Union (Creditor)
University Federal Credit Union (Creditor)
Public Service Credit Union (Creditor)
Big Picture Loans (Creditor)
Blue Pine Lending (Creditor)
Green Pine Lending (Creditor)
Rocket Loan (Creditor)
Prosper (Creditor)
Peerform (Creditor)
Laurel Road (Creditor)
Progressive Insurance (Creditor)
Charlotte Medical Clinic (Creditor)
Maple Trails Apartments (Creditor)
RSVP Loans (Creditor)
Elastic Credit (Creditor)
Jora Credit (Creditor)
Prosperity Crossing Family Medical (Creditor)
Carolinas Medical Center University (Creditor)
Neighbors Credit Union (Creditor)
Troy Capital, LLC (Creditor)
Atlantic Credit & Finance (Creditor)
CBNA (Creditor)
Abbey Villas Apartments (Creditor)
Collins Asset Group (Creditor)
Collins Financial Services (Creditor)
Precision Recovery Analytics (Creditor)
Total Rewards Visa (Creditor)
Banfield Pet Hospital (Creditor)
Lge Community Credit Union Visa (Creditor)
Commerce Bank (Creditor)
Comenity (Creditor)
Barclays (Creditor)
Gettington (Creditor)
Lord & Taylor (Creditor)
Citibank (Citi) (Creditor)
Lobel Financial (Creditor)
Sierra Auto Finance (Creditor)
Berkeley Apartments (Creditor)
Williamsport Regional Medical Center (Creditor)
Oliphant Financial (Creditor)
Cach LLC (Creditor)
Midland Credit (MCM) (Creditor)
Platinum Triangle Apartments (Creditor)
Lifestream Hospital (Creditor)
Orlando Reginal Hospital (Creditor)
Southlake Hospital (Creditor)
Tractor Supply Co (Creditor)
Upgrade (Creditor)
Tiffany Place Apartments (Creditor)
Cy-Fair Federal Credit Union (Creditor)
The Cash Store (Creditor)
Direct Energy (Creditor)
Kindercare (Creditor)
Grande Communications (Creditor)
Bayer Heritage Federal Credit Union (Creditor)
Sprint (Creditor)
Bureaus Investment Group (Creditor)
Pennsylvania State Employees Credit Union (PSECU) (Creditor)
Navy Federal Credit Union (Creditor)
CreditShop (Creditor)
Sage Lending (Creditor)
NetCredit (Creditor)
BorrowersFirst (Creditor)
Zulily (Creditor)
Big O Tires (Creditor)
Samsung Financing (Creditor)
Zales (Creditor)
Newman Apartments (Creditor)
Lake View Apartments (Creditor)
1st Franklin Financial (Creditor)
GE Money Bank (Creditor)
Utah Community Credit Union (Creditor)
Lantana Apartments (Creditor)
Beverly Place Apartments (Creditor)
Orthopedic Physician Associates Medical (Creditor)
Glen Oak Apartments (Creditor)
Rockland Federal Credit Union (Creditor)
Medical Bills (Creditor)
Clearview Federal Credit Union (Creditor)
First Pioneers Federal Credit Union (Creditor)
Camden General Hospital (Creditor)
ENT Credit Union (Creditor)
Darlington Apartments (Creditor)
Glen Park Apartments (Creditor)
Spurlock Realty (Creditor)
JH Portfolio (Creditor)
Velocity Investment LLC (Creditor)
Velocity Investments (Creditor)
PRA Portfolio Recovery Associates (Creditor)
Washington Mutual Bank (Creditor)
Capital One (Creditor)
Associated Bank (Creditor)
Wells Fargo (Creditor)
National Collegiate Trust - Federal Loan (Creditor)
FedLoan Servicing (Creditor)
Dearborn Federal Credit Union (Creditor)
City and County Credit Union (Creditor)
GreenSky (Creditor)
American Credit Acceptance - Auto Loan (Creditor)
Credit Acceptance - Auto Loan (Creditor)
DIRECTV (Creditor)
South State Bank (Creditor)
Applied Bank Card (Creditor)
Ally Financial (Creditor)
Medical (Creditor)
Atlantic Stewardship Bank (Creditor)
Synchrony (Creditor)
Lending Club (Creditor)
Marriott Vacation Club (Creditor)
Mid Coast Hospital (Creditor)
Pelican State Credit Union (Creditor)
Heartland Credit Union (Creditor)
Scott Credit Union (Creditor)
Unknown, Apparently Non Medical (Creditor)
Relais Esplanade Apartments (Creditor)
Texas Health - Plano (Creditor)
Rent Recovery Solutions (Creditor)
Memorial Hospital Jacksonville (Creditor)
Women's Healthcare of Illinois (Creditor)
Other Creditor (Creditor)
Coastal Federal Credit Union (Creditor)
Randolph Brooks Federal Credit Union (Creditor)
Nyu Federal Credit Union (Creditor)
Bank of America (Creditor)
Amplify Credit Union (Creditor)
1st Financial Bank USA in SD (Creditor)
Workers Credit Union (Creditor)
Sierra Meadows Apartment (Creditor)
Alta One Credit Union (Creditor)
Security Services Federal Credit Union (Creditor)
CashNetUSA (Creditor)
Liberty Pointe Apartments (Creditor)
Eckerd Credit Union (Creditor)
Franklin Mint Federal Credit Union (Creditor)
My Community Credit Union (Creditor)
Citizens Equity First Credit Union (CEFCU) (Creditor)
Wellons Realty (Creditor)
Loan Depot (Creditor)
Various Medical Bills (Creditor)
Southwest National Bank (Creditor)
First Bankcard (Creditor)
Lafayette Federal Credit Union (Creditor)
NorthWest Federal Credit Union (Creditor)
Mid Atlantic Federal Credit Union (Creditor)
SkyOne Federal Credit Union (Creditor)
Employee Resources Credit Union (Creditor)
American Airline AAdvantage Card (Creditor)
Bank of Hawaii (Creditor)
Rogue Valley Medical Center (Creditor)
Samaritan Regional Medical Center (Creditor)
Santander Bank - Unsecured Personal Loans (Creditor)
Credit Control Corp/ Riverside Hospital (Creditor)
Santander Bank - Sphere Card (Creditor)
Jewish Hospital (Creditor)
Marbury Plaza Apartments (Creditor)
Boeing Employees Credit Union (Creditor)
Chase (Creditor)
Operating Engineers Federal Credit Union (Creditor)
Strayer University (Creditor)
Bridgeton Onized Federal Credit Union (Creditor)
Progressive Medical Association (Creditor)
Banner Gateway Hospital (Creditor)
Deer Valley Credit Union (Creditor)
Coastal Carolina Medical Center (Creditor)
The Georgian Apartments (Creditor)
Intermountain Healthcare (Creditor)
Buffalo Run Apartments Co (Creditor)
Xceed Financial Credit Union (Creditor)
Deseret First Credit Union (Creditor)
Crowne Pointe Apartments (Creditor)
Riverchase Apartments (Creditor)
Memorial Hospital Converse County (Creditor)
LendingPoint (Creditor)
Potlatch Credit Union (Creditor)
Pacific Marine Credit Union (Creditor)
Shawnee Mission Medical Center (Creditor)
America's Credit Union (Creditor)
Union Bank (Creditor)
America First Credit Union (Creditor)
Mt Sinai Hospital (Creditor)
Credit Union of America (Creditor)
Nassau Educators Federal Credit Union (Creditor)
Creekwood Apartments (Creditor)
Mountain America Credit Union (Creditor)
Wayne Memorial Hospital (Creditor)
Rmp Receivables Management Partners Medical (Creditor)
Senate Federal Credit Union (Creditor)
Credit First NA (CFNA) (Creditor)
Dalhousie Industrial Credit Union ( Paid by Private LTD Insurance ) (Creditor)
Brentwood Apartments (Creditor)
Fort Knox Federal Credit Union (Creditor)
Sallie Mae - Federal Loan (Creditor)
Spring Hill Imaging (Creditor)
Medical- Mike L. Korthals OD (Creditor)
Linsey Terrace Apartments (Creditor)
Family Trust Federal Credit Union (Creditor)
+ Original Creditor (Creditor)
Maury Regional Medical Center (Creditor)
Persolve LLC (Creditor)
Jefferson Capital Systems, LLC (Creditor)
Encore Capital (Creditor)
Encore (Creditor)
Cavalry Portfolio Services (Creditor)
Bruce Conway MD (Creditor)
Austin Regional Clinic (Creditor)
Silver Pines Apartments (Creditor)
Cypress Lakes Apartments (Creditor)
GHS Federal Credit Union (Creditor)
United Southeast Federal Credit Union (Creditor)
Royal Credit Union (Creditor)
Merrick Bank (Creditor)
Aspire (Creditor)
Medical Debts Total (Creditor)
Hackley Hospital (Creditor)
Orchard Terrace Apartment (Creditor)
GBMC (Medical Bills) (Creditor)
SECU - State Employees Credit Union (Creditor)
WEA Credit Union (Creditor)
SECU State Employees Credit Union (Creditor)
Cox Medical Center (Creditor)
Monmouth Medical Imaging (Creditor)
EMA - Monmouth Emergency Medical Services (Creditor)
Monmouth Medical Center (Creditor)
Red River Credit Union (Creditor)
Midwest Anesthesia (Creditor)
Springleaf Financial (Creditor)
Conn's (Creditor)
Trinity Medical Group (Creditor)
University of Colorado Health (Medical) (Creditor)
Mid America Bank & Trust Milestone Card (Creditor)
Belk Department Store (Creditor)
Greenville Physicians (Medical) (Creditor)
Optimum Outcomes (Medical) (Creditor)
Oaks at Pompano Apartments (Creditor)
Toys R Us (Creditor)
SchoolsFirst Federal Credit Union (Creditor)
CPM Credit Union Credit Card (Creditor)
Citadel Credit Union (Creditor)
Landmark Credit Union (Creditor)
Kabbage (Creditor)
Arlington Arms Apartments (Creditor)
Rapid Cash LLC (Creditor)
Cash Converters (Creditor)
Paddock Park Apartments (Creditor)
Payoff, Inc. (Creditor)
Spotloan (Creditor)
State Farm Credit Card (Creditor)
First Cash Advance (Creditor)
Tennessee Valley Federal Credit Union (Creditor)
Best Egg (Creditor)
PYOD, LLC (Creditor)
LVNV Funding (Creditor)
Total Finance (Creditor)
Q Credit (Creditor)
Mariner Finance (Creditor)
Bon-Ton (Creditor)
Eagle Loan (Creditor)
Balance Credit (Creditor)
Genesis Bankcard (Creditor)
Grandin Road (Creditor)
Overstock (Creditor)
Bealls (Creditor)
MASC NORTH CENTRAL (Creditor)
Star Anesthesia PA (Creditor)
GASTROENTEROLOGY CONSULTANTS (Creditor)
CENTURY REGIONAL HEALTHCARE (Creditor)
Joe's Credit Union (Creditor)
Elmhurst Emergency Medical Services (Creditor)
Robins Financial Credit Union (Creditor)
Austin Telco Credit Union (Creditor)
Hot Springs Radiology Services (Creditor)
CorTrust Bank (Creditor)
Republic Bank & Trust Company (Creditor)
Elastic (Creditor)
The Swiss Colony (Creditor)
Bingham Memorial Hospital (Creditor)
Neighborhood Credit Union (Creditor)
Upromise - Credit Card (Creditor)
First Union Corporation (Creditor)
Kaiser Permanente (Creditor)
Personify Financial (Creditor)
Fortiva Credit Card (Creditor)
Johnson Space Center Federal Credit Union (JSC) (Creditor)
NBT Bank - Credit Card (Creditor)
M&T Bank (Creditor)
Oxmoor Apartments (Creditor)
Digital Federal Credit Union (Creditor)
USE Credit Union (Creditor)
Freedom Financial (Creditor)
Bodyscape (Creditor)
World Finance (Creditor)
Crescent Bank and Trust (Creditor)
Department Stores National Bank (DSNB) (Creditor)
Gap (Creditor)
Quebec Province Student Loan (Creditor)
Royal Bank of Canada (Creditor)
Wescom Credit Union (Creditor)
Security Auto Loans (Creditor)
Nordstrom Credit Card (Creditor)
University of Michigan Credit Union (Creditor)
Fifth Third Bank (Creditor)
Sterling Jewelers (Jared) (Creditor)
Partners Federal Credit Union (Creditor)
Cabela's (Creditor)
AT&T (Creditor)
Northwest Bank (Creditor)
Speedy Cash (Creditor)
American Web Loan (Creditor)
Opportunity Finance (Creditor)
Cash Central (Creditor)
GM Financial (Creditor)
Navient Corporation - Federal Loan (Creditor)
Huntington (Creditor)
Military Star Card (Creditor)
Fingerhut (Creditor)
Charlotte Metro Federal Credit Union (Creditor)
NASA Federal Credit Union (Creditor)
USAlliance Federal Credit Union (Creditor)
Compass (Creditor)
BBVA Compass (Creditor)
Polish & Slavic Federal Credit Union (Creditor)
Greater Nevada Credit Union (Creditor)
Cornerstone Financial Credit Union (Creditor)
Indigo (Creditor)
Masseys (Creditor)
Mobiloans (Creditor)
ExxonMobil (Creditor)
Republic Finance (Creditor)
General Electric Money Bank (Creditor)
Dish Network (Creditor)
Mobile Loans (Creditor)
Build Card (Creditor)
Pioneer Financial Services (Creditor)
Umpqua Bank (Creditor)
Republic Bank of Kentucky (Creditor)
Dr Paul Montalbano (Creditor)
Treasure Valley Hospital (Creditor)
Access Group Education Lending (Creditor)
National Collegiate Trust - Private Loan (Creditor)
KwikCash (Creditor)
Marketplace Loan Trust (Creditor)
Ascend Federal Credit Union (Creditor)
CircleBack Lending (Creditor)
PNC Bank (Creditor)
Gardens of Daytona (Creditor)
Knights Circle (Creditor)
Comcast (Creditor)
Express (Creditor)
Liberty Lending (Creditor)
Marcus by Goldman Sachs (Creditor)
Sears (Creditor)
Bank of the West (Creditor)
Ford Motor Credit Company (Creditor)
Nationstar Mortgage (Creditor)
North Star Mortgage and Realty (Creditor)
Victoria's Secret (Creditor)
Gordmans (Creditor)
HSN (Creditor)
New York & Company (Creditor)
TJ Maxx (Creditor)
Ebay (Creditor)
QVC (Creditor)
Lowe's (Creditor)
Sam's Club (Creditor)
JCPenney (Creditor)
KeyBank (Creditor)
FIA Card Services, N.A. (Creditor)
Tidewater Motor Credit (Creditor)
Target National Bank (Creditor)
Bowen Realty (Creditor)
Genisys Credit Union (Creditor)
Realty & Mortgage Co (Creditor)
Webster Bank (Creditor)
Yale New Haven Hospital (Creditor)
Stop & Shop (Creditor)
Swift Transportation (Creditor)
Affirm (Creditor)
Ginny's (Creditor)
1st Bergen Federal Credit Union (Creditor)
Erie Insurance (Creditor)
Ashley Furniture (Creditor)
BMO Harris Bank (Creditor)
Old Navy (Creditor)
HSBC (Creditor)
Citizens Bank (Creditor)
BB&T (Creditor)
Check Into Cash (Creditor)
US Bank (Creditor)
Baxter Credit Union (Creditor)
Best Buy (Creditor)
Home Depot (Creditor)
First National Bank of Omaha (Creditor)
Macy's Store Card (Creditor)
Fidelity (Creditor)
Kohl's (Creditor)
Arsenal Credit Union (Creditor)
Dell Financial Services (Creditor)
PayPal Credit (Creditor)
Shell Credit Card (Creditor)
Pottery Barn Credit Card (Creditor)
Ann Taylor Card (Creditor)
Paypal Extra MC (Creditor)
Maurices Credit Card (Creditor)
Justice Credit Card (Creditor)
Woman Within Credit Card (Creditor)
TD Bank USA (Creditor)
Target (Creditor)
Credit One Bank (Creditor)
Comerica (Creditor)
Luxury Card (Creditor)
USAA (Creditor)
Farmers Insurance Federal Credit Union (Creditor)
United Nations Federal Credit Union (Creditor)
Amazon (Creditor)
LoanMe (Creditor)
Elan Financial (Creditor)
First Premier Bank (Creditor)
Time Warner (Creditor)
Golden 1 Credit Union (Creditor)
Universal City Studios Credit Union (Creditor)
Lendmark Financial Services (Creditor)
First Command Bank (Creditor)
Alliant Credit Union Visa (Creditor)
First Interstate Bank (Creditor)
Texas Federal Credit Union (Creditor)
Continental Finance Company (Creditor)
MidAmerica Bank & Trust (Creditor)
MetLife (Creditor)
PenFed - Pentagon Federal Credit Union (Creditor)
Citizens One (Creditor)
Regions Bank (Creditor)
Menards (Creditor)
Mills Fleet Farm (Creditor)
Walmart (Creditor)
Nebraska Furniture Mart (Creditor)
VyStar Credit Union (Creditor)
Rise Credit (Creditor)
Navient Corporation - Private Loan (Creditor)
Sallie Mae - Private Loan (Creditor)
CareCredit (Creditor)
Kay Jewelers (Creditor)
Crest Financial (Creditor)
Southeast Toyota Finance (Creditor)
MUSC Health - Medical University of South Carolina (Creditor)
Bon Secours St. Francis Hospital (Creditor)
Duran Landscaping (Creditor)
Sir Finance (Creditor)
University of Illinois Credit Union (Creditor)
West Tennessee Healthcare (Creditor)
SAC Finance, Inc (Creditor)
Majestic Lake Financial, Inc (Creditor)
CashCity (Creditor)
MaxLend (Creditor)
Synovus (Creditor)
America's First Federal Credit Union (Creditor)
Enloe Medical Center (Creditor)
Sierra Central Credit Union (Creditor)
Western Alliance Bank (Creditor)
Sherwin Williams Credit Union (Creditor)
AmeriCash (Creditor)
Client Services (Creditor)
Nationwide (CollectionAgency)
Helvey and Associates (CollectionAgency)
Alltran (CollectionAgency)
GC Services (CollectionAgency)
MRS & Assoc (CollectionAgency)
Gatestone (CollectionAgency)
FIA (BofA Sub) (CollectionAgency)
ACB Receivables Management (CollectionAgency)
AGRM, LLC (CollectionAgency)
AIS Services, LLC (CollectionAgency)
AM Mortgage Brokers (CollectionAgency)
AMO Recoveries (CollectionAgency)
A&S Collection Associates (CollectionAgency)
Academy Collection Service, Inc. (CollectionAgency)
Accelerated Recovery Services, Inc. (CollectionAgency)
Account Management Services (CollectionAgency)
Account Recovery Bureau (CollectionAgency)
Account Solutions Group (CollectionAgency)
Action Collection Services (CollectionAgency)
Advanced Call Center Technologies, LLC (CollectionAgency)
Advanced Credit Recovery, Inc. (CollectionAgency)
All American Financial Associates (CollectionAgency)
All Debt Traders, LLC (CollectionAgency)
Alliance One, Inc (CollectionAgency)
Allied Interstate, Inc. (CollectionAgency)
Allstate Financial Services dba Allstate Adjustment Bureau (CollectionAgency)
AmSher Receivables Management (CollectionAgency)
American Acceptance (CollectionAgency)
American Coradius International (CollectionAgency)
American Coradius International LLC (ACI) (CollectionAgency)
American Coradius, Inc. (CollectionAgency)
American Credit Collections, LLC. (CollectionAgency)
American Credit Services (CollectionAgency)
American Debt Services (CollectionAgency)
American Legal Recovery (CollectionAgency)
American Legal Services, PC (CollectionAgency)
Ameriquest Recovery Services (CollectionAgency)
Anchor Receivables Management (CollectionAgency)
The Andersen Group (CollectionAgency)
Anderson Financial Network, Inc. (AFNI) (CollectionAgency)
Ariel Financial Services (CollectionAgency)
Arrow Financial Services (CollectionAgency)
Ascent Card Services, LLC (CollectionAgency)
Asset Acceptance Corp. (CollectionAgency)
Asset Recovery Associates (CollectionAgency)
Associated Recovery Systems (CollectionAgency)
Asta Funding (CollectionAgency)
Atlantic Credit & Finance (CollectionAgency)
Aurora, Gold & Associates, LLC (CollectionAgency)
Bamford, Thomas K./Elder, Timothy L (CollectionAgency)
Barnes, Curtis, O. Con-America (CollectionAgency)
Bass and Associates (CollectionAgency)
Bay Area Credit Services (CollectionAgency)
Bennett & DeLoney, PC. (CollectionAgency)
Berks Credit Collections (CollectionAgency)
Resurgent Capital Services (CollectionAgency)
Booska, Steven A. (CollectionAgency)
Booth and Associates (CollectionAgency)
Bronson & Migliaccio, LLP (CollectionAgency)
Bronson, Cawley & Bergmann, LLP (CollectionAgency)
Budget Control Services, Inc (CollectionAgency)
Burgess, Douglas R. (CollectionAgency)
Burke, Edward T. & Assoc, P.C. (CollectionAgency)
The Bureaus, Inc. (CollectionAgency)
CKS Financial (CollectionAgency)
C. Water Recoveries (CollectionAgency)
CACV aka CACH, LLC (CollectionAgency)
CBE Group (CollectionAgency)
CCA (CollectionAgency)
CMC Recovery Services, Inc. (CollectionAgency)
CMG Recovery Services (CollectionAgency)
CRF Solutions (CollectionAgency)
CRS Capital Recovery Services (CollectionAgency)
CSGA. LLC (CollectionAgency)
Caferella, Jason J., Attorney (CollectionAgency)
California Business Bureau, Inc. (CollectionAgency)
California Financial Credit Association (CollectionAgency)
California Recovery Bureau, Inc. (CollectionAgency)
Cambece, James A. aka/Tough Tony (CollectionAgency)
Capital Credit Services, Inc. (CollectionAgency)
Capital Management Services (CollectionAgency)
Capital Recovery Services Group (CollectionAgency)
Genpact (CollectionAgency)
Century Credit & Collections (CollectionAgency)
Capital Accounts LLC (CollectionAgency)
Williams & Fudge (CollectionAgency)
Cashnet500 d/b/a Global Cashnet d/b/a D.R.G. & Associates (CollectionAgency)
Central Credit Services (CollectionAgency)
Chase Receivables (CollectionAgency)
Check Recovery System (CollectionAgency)
Check and Credit Reporting, Inc. (CollectionAgency)
Check and Merchant Services (CollectionAgency)
Civil Claims Asset Investigative Services (CollectionAgency)
Claims & Warrants (CollectionAgency)
Claims America, LLC (CollectionAgency)
Client Services, Inc. (CollectionAgency)
Coastal Mitigation Associates (CollectionAgency)
Coface Collections North America, Inc (CCNA) (CollectionAgency)
Collect America, CACV aka CACH, LLC (CollectionAgency)
Collect Corp Inc (CollectionAgency)
Collectech Systems, Inc. (CollectionAgency)
Colonial Credit Corporation (CollectionAgency)
Commonwealth Financial Systems (CollectionAgency)
Conserve (CollectionAgency)
Consumer Credit Association (CollectionAgency)
Consumer Recovery Associates (CollectionAgency)
Continental Credit (CollectionAgency)
Convergys (CollectionAgency)
Corporate Receivables (CollectionAgency)
Costal Asset Management Group (CollectionAgency)
Cred X Debt Recovery, LLC (CollectionAgency)
Credit Collection Service (CollectionAgency)
Credit Collection Services (CCS) (CollectionAgency)
Credit Management Control (CollectionAgency)
Credit One, LLC (CollectionAgency)
Credit Recovery, dba as Boivin, Lawrence R., Lawyer (CollectionAgency)
Credit Services, FAIC (CollectionAgency)
Credit Systems International (CollectionAgency)
Creditors Alliance, Inc. (CollectionAgency)
Creditors Financial Group (CollectionAgency)
Creditors Interchange Rcvble Mgmt, LLC (CollectionAgency)
DMG Consulting (CollectionAgency)
DNI Recovery Ezelle Williams & Associates (CollectionAgency)
DeJana, Richard (CollectionAgency)
Delmarva Collections, Inc. (CollectionAgency)
Delta Group aka Joseph, Ortiz & Epstein, LLC (CollectionAgency)
Dendy, Michael D. (CollectionAgency)
Diversified Collection Services (DCS) (CollectionAgency)
Diversified Receivable Solutions (CollectionAgency)
E-Renter USA Ltd. (CollectionAgency)
ER Solutions (CollectionAgency)
Eastern Asset Management (CollectionAgency)
Ebbets Partners (CollectionAgency)
Eclipse Resolution (CollectionAgency)
Educational Credit Management Corporation, MA (ECMC) (CollectionAgency)
Educational Credit Management Corporation, OR (ECMC) (CollectionAgency)
Educational Credit Management Corporation, VA (ECMC) (CollectionAgency)
Edwin A. Abrahamsen & Associates, P.C. (CollectionAgency)
Empire Recovery Group (CollectionAgency)
Encore Capital Group (CollectionAgency)
Encore Receivable Management (CollectionAgency)
Endeavor Financial Partners, LLC (CollectionAgency)
Epstein, Roth & Associates LLC (CollectionAgency)
Eskanos & Adler, PC (CollectionAgency)
Estate Recoveries (CollectionAgency)
FMA Alliance, Ltd. (CollectionAgency)
FNBM, LLC (CollectionAgency)
Federal Bond & Collection Service (FBCS) (CollectionAgency)
Federal Bond Collection Services, Inc. (CollectionAgency)
Federal Credit Recovery/FCR Offices (CollectionAgency)
Federal Processing Services, Inc. (CollectionAgency)
Ficka & Associates (CollectionAgency)
Fidelity Information Corporation (CollectionAgency)
Financial Credit Services (CollectionAgency)
Financial Medical Systems (CollectionAgency)
Financial Recovery Services, Inc. (CollectionAgency)
First American Investment Corporation (CollectionAgency)
First National Collection Bureau, Inc. (CollectionAgency)
First Revenue Assurance (CollectionAgency)
Firstsource Advantage (CollectionAgency)
Frederick, Goldstein, and Zoe (CollectionAgency)
Frederick J. Hanna & Associates (CollectionAgency)
Frontline Asset Strategies (CollectionAgency)
Full Circle Financial Services, LLC (CollectionAgency)
Fulton Friedman & Gullace LLP (CollectionAgency)
GMC Credit Services (Glass Mountain Capital) (CollectionAgency)
Gemini Recoveries, Inc. (CollectionAgency)
Genesis Financial Corp. (CollectionAgency)
Global Acceptance Credit Company (GACC) (CollectionAgency)
Global Credit Network (CollectionAgency)
Global International, Inc. (CollectionAgency)
Global Recovery Group (CollectionAgency)
Global Vantedge (CollectionAgency)
Go-More Financial, Inc. (CollectionAgency)
Goggins & Lavintman, PA (CollectionAgency)
Grabowski, O’Brien and Associates (CollectionAgency)
Graham, Noble, & Associates, LLC (CollectionAgency)
Great Lakes Collection Bureau, Inc. (CollectionAgency)
Green Tree (CollectionAgency)
Greenberg & Associates (CollectionAgency)
Griggs & Associates (G&A Investigative Services) LLC (CollectionAgency)
Gulf State Credit (CollectionAgency)
HP Capital (CollectionAgency)
HRRG (Healthcare Revenue Recovery Group, LLC) (CollectionAgency)
Haller Harlan Taylor (CollectionAgency)
Hamilton Accounts (CollectionAgency)
Harker, John W. CACV (CollectionAgency)
Harris and Zide (CollectionAgency)
Harrison Ross Byck, Esq. (CollectionAgency)
Hayt Hayt & Landau (CollectionAgency)
Healthcare Collections Specialists (CollectionAgency)
Hillcrest Credit Agency (CollectionAgency)
Hoffman Swartz, and Associates, Inc. (CollectionAgency)
Hosto and Buchan (CollectionAgency)
Houston Funding Corp. (CollectionAgency)
Hudson & Keyse, LLC (CollectionAgency)
Hull & Associates, P.C. (CollectionAgency)
IC Systems (CollectionAgency)
IMC Credit Services (CollectionAgency)
IQ Data (also doing business as Rent Collect Global) (CollectionAgency)
ISA Acceptance Corporation (CollectionAgency)
Integrity Resolution Group, LLC (CollectionAgency)
J. C. Christensen & Associates, Inc. (CollectionAgency)
JNR Adjustment Company, Inc. (CollectionAgency)
JT Keller & Associates (CollectionAgency)
Jacobs Marsh, LLC (CollectionAgency)
Jason Reed & Associates (CollectionAgency)
Javitch, Block & Rathbone LLP (CollectionAgency)
Jefferson Capital Systems (CollectionAgency)
Joseph, Ortiz & Epstein, LLC aka Delta Group (CollectionAgency)
Kay, Mitchell N., P.C. (CollectionAgency)
Kingman, Cole & Associates (CollectionAgency)
Koparr Paralegals & Associates, LLC (CollectionAgency)
Kretschman, Brenda Lee (CollectionAgency)
LDG Financial ServicesII, LLC (CollectionAgency)
LTD Financial Services, L.P. (CollectionAgency)
Landis, Thomas (CollectionAgency)
Laurence A Hecker (CollectionAgency)
The Law Center (CollectionAgency)
Lawal and Associates (CollectionAgency)
Lead Resources of America Inc (CollectionAgency)
Leading Edge Recovery Solutions (CollectionAgency)
Leasecomm Corporation (CollectionAgency)
Legal Recovery Services, Inc. (CollectionAgency)
Lewis Hastie Receivables Inc. (CollectionAgency)
Lewis Shapiro L.L.C. (CollectionAgency)
Litigation Consulting Service, LLC (CollectionAgency)
Lowery, Scott P., P.C. aka CACH, LLC (CollectionAgency)
M. Leonard & Associates (CollectionAgency)
MD Collections (CollectionAgency)
MRS Associates, Inc. (CollectionAgency)
Magnus Services, Inc. (CollectionAgency)
Marauder Corporation (CollectionAgency)
Mel S. Harris & Associates (CollectionAgency)
Mendenhall & Associates, Inc. (CollectionAgency)
Mercantile Adjustment Bureau (CollectionAgency)
Merchant’s Credit Guide Co. (CollectionAgency)
Meridian Management Solutions (CollectionAgency)
Messerli & Kramer (CollectionAgency)
Minority Legal Network (CollectionAgency)
Monterey Bay Collection Agency, Inc. (CollectionAgency)
Moore, Gerald E. & Associates (CollectionAgency)
Morgans & Associates, P.C. (CollectionAgency)
Mosely & Mosely (CollectionAgency)
Myers & Porter, Attorneys (CollectionAgency)
NCC Business Services, Inc. (CollectionAgency)
NCO Financial Systems (CollectionAgency)
National Acceptance (CollectionAgency)
National Action Financial Services, Inc. (CollectionAgency)
National Asset Management (CollectionAgency)
National Asset Services Co (CollectionAgency)
National Attorney’s Network (CollectionAgency)
National Bureau of Collections, Inc. (CollectionAgency)
National Credit Adjusters (CollectionAgency)
National Credit Works, Inc. (CollectionAgency)
National Enterprise Systems (CollectionAgency)
National Financial Systems (CollectionAgency)
National Recovery Group (CollectionAgency)
National Revenue Corporation (CollectionAgency)
Nations Recovery Center (CollectionAgency)
Nationwide Capital Recovery (CollectionAgency)
Nationwide Credit, Inc. (CollectionAgency)
Nationwide Recovery Systems, Ltd. (NRS) (CollectionAgency)
New Horizon Credit, Inc. (CollectionAgency)
New Vision Financial (CollectionAgency)
Niagara Credit Solutions Inc. (CollectionAgency)
North American Asset Investigation Bureau, LLC (NAAIB) (CollectionAgency)
North American Asset Recovery (CollectionAgency)
North American Collectors, Inc. (CollectionAgency)
Northeast Credit & Collections (CollectionAgency)
Northern California Collection Service (CollectionAgency)
Northland Group (CollectionAgency)
Northwest Mediation Group (CollectionAgency)
Nu Island Partners, LLC (CollectionAgency)
O’Neill Management, Inc. Investigators (CollectionAgency)
OSI/Outsourcing Solutions (CollectionAgency)
Omnia Credit Services (CollectionAgency)
Oxford Management Services (CollectionAgency)
Ozark Capital Corporation (CollectionAgency)
PCS, Inc. (CollectionAgency)
Pacific Coast Collections (Alliance One) (CollectionAgency)
Palisades Collections, LLC (CollectionAgency)
Palm Island Services (CollectionAgency)
Partners Financial Services (CollectionAgency)
Peak Financial Services, LLC (CollectionAgency)
Pentagroup Financial, LLC (CollectionAgency)
Performance Capital Management (CollectionAgency)
Phillips & Burns, LLC (CollectionAgency)
Phillips & Cohen Associates, Ltd. (CollectionAgency)
Pinnacle Asset & Capital Management Grp, LLC (CollectionAgency)
Pinnacle Financial Group (CollectionAgency)
Pioneer Credit Recovery, Inc. (CollectionAgency)
Platinum Recovery Solutions, Inc. (CollectionAgency)
Plaza Associates (CollectionAgency)
Portfolio Exchange (CollectionAgency)
Portfolio MG, LLC (PMG) (CollectionAgency)
Portfolio Management of Amherst, LLC. (CollectionAgency)
Praxis Financial Solutions, Inc. (CollectionAgency)
Premiere Credit (CollectionAgency)
Pride Recovery Services (CollectionAgency)
Prime Asset Recovery, Inc. (CollectionAgency)
Pro Collect, Inc. (CollectionAgency)
Progressive Management (CollectionAgency)
QAR, LLC (CollectionAgency)
Quadrant Group LLC – The Recycle Shop (CollectionAgency)
RCS Centre Corp (CollectionAgency)
RJM Acquisitions, LLC (CollectionAgency)
ROI Companies (CollectionAgency)
Rannefeld, Blue W. Attorney (CollectionAgency)
Receivables Performance Management (CollectionAgency)
Redline Recovery Services, LLC. (CollectionAgency)
Regent Asset Management Solutions (CollectionAgency)
Regional Adjustment Bureau, Inc. (CollectionAgency)
Reliant Capital Solutions (CollectionAgency)
Reliant Recovery Services, Inc. (CollectionAgency)
Resurgence Financial, LLC (CollectionAgency)
Revenue Reporting Service (CollectionAgency)
Reynolds & Jacobson, Attorneys (CollectionAgency)
Riddle & Associates (CollectionAgency)
Rosenthal & Colby, Inc. (CollectionAgency)
Rosenthal, Morgan and Thomas, Inc. (CollectionAgency)
Rosenthal, Stein and Associates (CollectionAgency)
Rubin Yates (CollectionAgency)
S & S Recovery (CollectionAgency)
SC Associates (CollectionAgency)
SRA Associates (CollectionAgency)
The Sagres Company (CollectionAgency)
Scott L Feldman (CollectionAgency)
Scott, Michael J., PC (CollectionAgency)
Security Credit Corporation (CollectionAgency)
Security Credit System (CollectionAgency)
Shekinah, Inc (CollectionAgency)
Smith, Rouchon, and Associates – Alabama (CollectionAgency)
Smith, Rouchon, and Associates – Mississippi (CollectionAgency)
Southern Tier Agency, Inc. (CollectionAgency)
Specified Credit Association (CollectionAgency)
State Predisposition Office (CollectionAgency)
Sterling & King, Inc. (CollectionAgency)
Sunrise Credit Services (CollectionAgency)
Superior Asset Management (CollectionAgency)
Systematic National Collection (CollectionAgency)
Takhar Group (CollectionAgency)
Talentwise (CollectionAgency)
Taylor, Jay A. P.C. Attorney (CollectionAgency)
Tek Collect (CollectionAgency)
The Lambardo, Davis & Goldman Firm (CollectionAgency)
The Receivable Management Services Corporation (RMS) (CollectionAgency)
Titan Recovery Group, LLC (CollectionAgency)
Trak America Enterprises, LLC (CollectionAgency)
Transworld Systems (CollectionAgency)
Tri-Financial (CollectionAgency)
Triadvantage Credit Services (CollectionAgency)
Trident Financial Network (CollectionAgency)
TrueLogic Financial Corp. (CollectionAgency)
US Audit Control (CollectionAgency)
United Abstract Group, Inc. (CollectionAgency)
United Collections Bureau (CollectionAgency)
United Consumers Inc. (CollectionAgency)
United Legal Corporation (CollectionAgency)
United Portfolio Services Group (CollectionAgency)
United Recovery Systems (CollectionAgency)
Universal Fidelity (CollectionAgency)
Universal Filing Services, Inc. (CollectionAgency)
VRM Collections – Vigden Receivables Management (CollectionAgency)
Valentine & Kebartas, Inc. (CollectionAgency)
Van Ru Credit Corp (CollectionAgency)
Varde (CollectionAgency)
Viking Collection Service Southwest (CollectionAgency)
Vision Financial Services (CollectionAgency)
Wakefield & Associates (CollectionAgency)
Weber Olcese (CollectionAgency)
Weinberg, Stanley & Associates (CollectionAgency)
Weltman, Weinberg & Reis (CollectionAgency)
West Asset Management Inc. (CollectionAgency)
Windham Professionals, Inc. (CollectionAgency)
Winn and Sims, P.C (CollectionAgency)
Worldwide Asset Purchasing, LLC (CollectionAgency)
Worldzen Collections and Recovery LLC (CollectionAgency)
Zenith Acquisition Corp. (CollectionAgency)
Vital Recovery Services, LLC (CollectionAgency)
Butte County Credit Bureau (CollectionAgency)
Enhanced Recovery Corporation (ERC) (CollectionAgency)
American Recovery Service Incorporated (ARSI) (CollectionAgency)
Northstar Location Services (CollectionAgency)
Holloway Credit Solutions, LLC (CollectionAgency)
Convergent (CollectionAgency)
Ad Astra Recovery Services Inc (CollectionAgency)
Weltman, Weinberg & Reis Co., LPA (CollectionAgency)
Professional Finance Company (CollectionAgency)
National Credit Systems (CollectionAgency)
Southern Management Systems (CollectionAgency)
American Education Services (CollectionAgency)
National Credit Systems Inc (CollectionAgency)
Accounts Receivable Management (CollectionAgency)
Accounts Recovery Solutions (CollectionAgency)
Allied International Credit (CollectionAgency)
Global Credit and Collection (CollectionAgency)
NCB Management Services (CollectionAgency)
Unifund Partners Collections (CollectionAgency)
Reliance Recoveries (CollectionAgency)
Knight Adjustment Bureau (CollectionAgency)
McNeilePappas P.C (CollectionAgency)
Velocity Investments (CollectionAgency)
RGS Financial (CollectionAgency)
Other Collection Agency (CollectionAgency)
Phoenix Financial Service LLC (CollectionAgency)
Rent Recovery Solutions (CollectionAgency)
Viking Client Services Inc. (CollectionAgency)
Renton Collections Inc. (CollectionAgency)
NES of Ohio (CollectionAgency)
Systems & Services Technologies Inc (CollectionAgency)
Westmoreland Agency (CollectionAgency)
First Financial Asset Mgmt (CollectionAgency)
Credit Corp Solutions (CollectionAgency)
Caine and Weiner (CollectionAgency)
EGS Financial Care, Inc. (CollectionAgency)
True Accord (CollectionAgency)
Radius Global Solutions (CollectionAgency)
Stoneleigh Recovery Associates LLC (CollectionAgency)
Firstmark Services (CollectionAgency)
General Revenue Corporation (CollectionAgency)
Receivable Solutions (CollectionAgency)
AmSher Collection Services, Inc. (CollectionAgency)
Credit Control (CollectionAgency)
Rushmore Service Center (CollectionAgency)
IBI Consumer Credit (CollectionAgency)
Smith Debnam Narron Drake Saintsing & Myers, LLP (CollectionAgency)
Diversified Consultants, Inc. (CollectionAgency)
Alpha Recovery Corp (CollectionAgency)
Diversified Adjustment Service, Inc. (CollectionAgency)
Bull City Financial Solutions (CollectionAgency)
Source Receivables Management (SourceRM) (CollectionAgency)
Central Financial Control (CollectionAgency)
Ability Recovery Services (CollectionAgency)
Hunter Warfield (CollectionAgency)
Forster & Garbus LLP (SuingLawyer)
Shermeta Law Group (SuingLawyer)
Allen & Withrow (SuingLawyer)
Clarkson Law Firm, LLC. (SuingLawyer)
Nathan & Nathan, P.C. (SuingLawyer)
Stewart, Zlimen & Jungers, Ltd (SuingLawyer)
Selip & Stylian (SuingLawyer)
Smith Debnam Narron Drake Saintsing & Myers, LLP (SuingLawyer)
Apothaker & Associates (SuingLawyer)
Cooling & Winter LLC (SuingLawyer)
DeGrasse Law Firm, P.C. (SuingLawyer)
Solomon & Solomon PC (SuingLawyer)
Stenger & Stenger (SuingLawyer)
RAS LaVrar, LLC (SuingLawyer)
Schreiber/Cohen, LLC (SuingLawyer)
Adam David Tucker (SuingLawyer)
Glasser & Glasser (SuingLawyer)
Mandarich Law Group, LLP (SuingLawyer)
Kenosian & Miele, LLP (SuingLawyer)
The Dunning Law Firm (SuingLawyer)
Patenaude & Felix (SuingLawyer)
Lustig, Glaser & Wilson, P.C (SuingLawyer)
Roosen, Varchetti, and Olivier, LLC (SuingLawyer)
Lloyd & McDaniel, PLC (SuingLawyer)
Other Suing Lawyer (SuingLawyer)
Suttell, Hammer and White (SuingLawyer)
McNeilePappas P.C (SuingLawyer)
Erskine & Fleisher Law Offices (SuingLawyer)
Patrick A. Carey, P.A. (SuingLawyer)
Quall Cardot, LLP (SuingLawyer)
Machol & Johannes LLC (SuingLawyer)
Anderson & Price, P.C. (SuingLawyer)
SouthLaw PC (SuingLawyer)
Brock & Scott PLLC (SuingLawyer)
Scott & Associates, PC (SuingLawyer)
Rausch, Sturm, Israel, Enerson & Hornik, LLC (SuingLawyer)
Hunt & Henriques (SuingLawyer)
Eltman Law, PC (SuingLawyer)
Relin Goldstein & Crane LLP (SuingLawyer)
Winn Law Group (SuingLawyer)
Bleier & Cox LLP (SuingLawyer)
The Moore Law Group (SuingLawyer)
Gurstel Law Firm (SuingLawyer)
Zwicker & Associates, P.C. (SuingLawyer)
Worldzen Collections and Recovery LLC (SuingLawyer)
Worldwide Asset Purchasing, LLC (SuingLawyer)
Wolpoff & Abramson (SuingLawyer)
Winn and Sims, P.C (SuingLawyer)
Windham Professionals, Inc. (SuingLawyer)
Williams & Fudge (SuingLawyer)
Westmoreland Agency/Capital One Bank (SuingLawyer)
Weltman, Weinberg & Reis (SuingLawyer)
Weinberg, Stanley & Associates (SuingLawyer)
Weber Olcese (SuingLawyer)
Wakefield & Associates (SuingLawyer)
Vision Financial Services (SuingLawyer)
Viking Collection Service Southwest (SuingLawyer)
Vasques, Louis, Law Office of (SuingLawyer)
Varde (SuingLawyer)
Valentine & Kebartas, Inc. (SuingLawyer)
VRM Collections – Vigden Receivables Management (SuingLawyer)
Universal Fidelity (SuingLawyer)
United Recovery Systems (SuingLawyer)
United Portfolio Services Group (SuingLawyer)
United Collections Bureau (SuingLawyer)
Unifund Group Corp. (SuingLawyer)
US Audit Control (SuingLawyer)
Trident Financial Network (SuingLawyer)
Triadvantage Credit Services (SuingLawyer)
Tri-Financial (SuingLawyer)
Trauner, Cohen & Thomas (SuingLawyer)
Transworld Systems (SuingLawyer)
Trak America Enterprises, LLC (SuingLawyer)
Titan Recovery Group, LLC (SuingLawyer)
The Lambardo, Davis & Goldman Firm (SuingLawyer)
Tek Collect (SuingLawyer)
Taylor, Jay A. P.C. Attorney (SuingLawyer)
Talentwise (SuingLawyer)
Takhar Group (SuingLawyer)
Superior Asset Management (SuingLawyer)
Sunrise Credit Services (SuingLawyer)
Streeter, Sam W., Lawyer (SuingLawyer)
Sterling & King, Inc. (SuingLawyer)
State Predisposition Office (SuingLawyer)
Specified Credit Association (SuingLawyer)
Smith, Rouchon, and Associates – Mississippi (SuingLawyer)
Smith, Rouchon, and Associates – Alabama (SuingLawyer)
Shekinah, Inc (SuingLawyer)
Scott, Michael J., PC (SuingLawyer)
Scott L Feldman (SuingLawyer)
Schwartz & Silverstein, LLP (SuingLawyer)
Scherr, Harold E. , Attorney (SuingLawyer)
The Sagres Company (SuingLawyer)
SRA Associates (SuingLawyer)
SC Associates (SuingLawyer)
S & S Recovery (SuingLawyer)
Rubin Yates (SuingLawyer)
Rosenthal, Stein and Associates (SuingLawyer)
Rosenthal, Morgan and Thomas, Inc. (SuingLawyer)
Rosenthal & Colby, Inc. (SuingLawyer)
Roach, Larry, Law Offices of (SuingLawyer)
Riddle & Associates (SuingLawyer)
Reynolds & Jacobson, Attorneys (SuingLawyer)
Revenue Reporting Service (SuingLawyer)
Resurgence Financial, LLC (SuingLawyer)
Reliant Capital Solutions (SuingLawyer)
Regent Asset Management Solutions (SuingLawyer)
Regent & Associates, P.C. (SuingLawyer)
Redline Recovery Services, LLC. (SuingLawyer)
Receivables Performance Management (SuingLawyer)
Rannefeld, Blue W. Attorney (SuingLawyer)
Ranieri, Christopher, Law Office of (SuingLawyer)
ROI Companies (SuingLawyer)
RJM Acquisitions, LLC (SuingLawyer)
RCS Centre Corp (SuingLawyer)
Quadrant Group LLC – The Recycle Shop (SuingLawyer)
QAR, LLC (SuingLawyer)
Progressive Management (SuingLawyer)
Pride Recovery Services (SuingLawyer)
Pressler & Pressler, LLP (SuingLawyer)
Premiere Credit (SuingLawyer)
Portfolio Management of Amherst, LLC. (SuingLawyer)
Portfolio MG, LLC (PMG) (SuingLawyer)
Portfolio Exchange (SuingLawyer)
Plaza Associates (SuingLawyer)
Pinnacle Financial Group (SuingLawyer)
Pinnacle Asset & Capital Management Grp, LLC (SuingLawyer)
Phillips & Cohen Associates, Ltd. (SuingLawyer)
Phillips & Burns, LLC (SuingLawyer)
Performance Capital Management (SuingLawyer)
Pentagroup Financial, LLC (SuingLawyer)
Pennisi, Daniels & Norelli (SuingLawyer)
Peak Financial Services, LLC (SuingLawyer)
Partners Financial Services (SuingLawyer)
Palm Island Services (SuingLawyer)
Palisades Collections, LLC (SuingLawyer)
Pacific Coast Collections (Alliance One) (SuingLawyer)
PMR Law Group (SuingLawyer)
Ozark Capital Corporation (SuingLawyer)
Oxford Management Services (SuingLawyer)
Omnia Credit Services (SuingLawyer)
OSI/Outsourcing Solutions (SuingLawyer)
O’Neill Management, Inc. Investigators (SuingLawyer)
Nu Island Partners, LLC (SuingLawyer)
Northwest Mediation Group (SuingLawyer)
Northland Group (SuingLawyer)
Northern California Collection Service (SuingLawyer)
Northeast Credit & Collections (SuingLawyer)
North American Asset Recovery (SuingLawyer)
North American Asset Investigation Bureau, LLC (NAAIB) (SuingLawyer)
New Vision Financial (SuingLawyer)
Neuheisel Law Firm, PC (SuingLawyer)
Nelson, Watson & Associates, LLC (SuingLawyer)
Nationwide Recovery Systems, Ltd. (NRS) (SuingLawyer)
Nationwide Capital Recovery (SuingLawyer)
Nations Recovery Center (SuingLawyer)
NCO Financial Systems (SuingLawyer)
Myers & Porter, Attorneys (SuingLawyer)
Mosely & Mosely (SuingLawyer)
Morgans & Associates, P.C. (SuingLawyer)
Moore, Gerald E. & Associates (SuingLawyer)
Minority Legal Network (SuingLawyer)
Mims, Jerry M., Lawyer (SuingLawyer)
Messerli & Kramer (SuingLawyer)
Meridian Management Solutions (SuingLawyer)
Merchant’s Credit Guide Co. (SuingLawyer)
Mercantile Adjustment Bureau (SuingLawyer)
Mendenhall & Associates, Inc. (SuingLawyer)
Mel S. Harris & Associates (SuingLawyer)
Meadows Law Office – Sheree Meadows (SuingLawyer)
McKelvey Law Office (SuingLawyer)
Marshall & Ziolkowski (SuingLawyer)
MRS Associates, Inc. (SuingLawyer)
MD Collections (SuingLawyer)
M. Leonard & Associates (SuingLawyer)
Lowery, Scott P., P.C. aka CACH, LLC (SuingLawyer)
Love, Beal & Nixon, PC (SuingLawyer)
Litigation Consulting Service, LLC (SuingLawyer)
Linebarger, Goggan, Blair & Sampson, LLP (SuingLawyer)
Lewis Shapiro L.L.C. (SuingLawyer)
Lewis Hastie Receivables Inc. (SuingLawyer)
Legal Recovery Services, Inc. (SuingLawyer)
Legal Recovery Law Offices (SuingLawyer)
Lawal and Associates (SuingLawyer)
Law Offices of David S. Dufek (SuingLawyer)
The Law Center (SuingLawyer)
Laurence A Hecker (SuingLawyer)
Lang, Richert & Patch (SuingLawyer)
Landis, Thomas (SuingLawyer)
LTD Financial Services, L.P. (SuingLawyer)
Kretschman, Brenda Lee (SuingLawyer)
Koparr Paralegals & Associates, LLC (SuingLawyer)
Kingman, Cole & Associates (SuingLawyer)
Kay, Mitchell N., P.C. (SuingLawyer)
Joseph, Ortiz & Epstein, LLC aka Delta Group (SuingLawyer)
Jefferson Capital Systems (SuingLawyer)
Javitch, Block & Rathbone LLP (SuingLawyer)
Jason Reed & Associates (SuingLawyer)
Jacobs Marsh, LLC (SuingLawyer)
JT Keller & Associates (SuingLawyer)
J. C. Christensen & Associates, Inc. (SuingLawyer)
IMC Credit Services (SuingLawyer)
Hull & Associates, P.C. (SuingLawyer)
Hudson & Keyse, LLC (SuingLawyer)
Hosto and Buchan (SuingLawyer)
Hoffman Swartz, and Associates, Inc. (SuingLawyer)
Hayt Hayt & Landau (SuingLawyer)
Harrison Ross Byck, Esq. (SuingLawyer)
Harris and Zide (SuingLawyer)
Harris & Dial, PC (SuingLawyer)
Harker, John W. CACV (SuingLawyer)
Hamilton Accounts (SuingLawyer)
Haller Harlan Taylor (SuingLawyer)
Gutman, Mintz, Baker & Sonnenfeldt (SuingLawyer)
Gulf State Credit (SuingLawyer)
Griggs & Associates (G&A Investigative Services) LLC (SuingLawyer)
Greenberg & Associates (SuingLawyer)
Green Tree (SuingLawyer)
Graham, Noble, & Associates, LLC (SuingLawyer)
Grabowski, O’Brien and Associates (SuingLawyer)
Goggins & Lavintman, PA (SuingLawyer)
Global Vantedge (SuingLawyer)
Global Recovery Group (SuingLawyer)
Global Credit Network (SuingLawyer)
Global Acceptance Credit Company (GACC) (SuingLawyer)
Giove Law Office, P.C. (SuingLawyer)
GMC Credit Services (Glass Mountain Capital) (SuingLawyer)
GC Services (SuingLawyer)
Fulton Friedman & Gullace LLP (SuingLawyer)
Full Circle Financial Services, LLC (SuingLawyer)
Frontline Asset Strategies (SuingLawyer)
Frederick J. Hanna & Associates (SuingLawyer)
Frederick, Goldstein, and Zoe (SuingLawyer)
Firstsource Advantage (SuingLawyer)
First Revenue Assurance (SuingLawyer)
First American Investment Corporation (SuingLawyer)
Financial Medical Systems (SuingLawyer)
Financial Credit Services (SuingLawyer)
Ficka & Associates (SuingLawyer)
Falzone Law Associates (SuingLawyer)
FNBM, LLC (SuingLawyer)
FMA Alliance, Ltd. (SuingLawyer)
Evans Law Offices (SuingLawyer)
Eskanos & Adler, PC (SuingLawyer)
Epstein, Roth & Associates LLC (SuingLawyer)
Encore Capital Group (SuingLawyer)
Edwin A. Abrahamsen & Associates, P.C. (SuingLawyer)
Ebbets Partners (SuingLawyer)
Diversified Collection Services (DCS) (SuingLawyer)
Dendy, Michael D. (SuingLawyer)
Delta Group aka Joseph, Ortiz & Epstein, LLC (SuingLawyer)
DeJana, Richard (SuingLawyer)
Daniels & Norelli, P.C. (SuingLawyer)
DNI Recovery Ezelle Williams & Associates (SuingLawyer)
DMG Consulting (SuingLawyer)
Credit One, LLC (SuingLawyer)
Costal Asset Management Group (SuingLawyer)
Corbett Law Office – Patrick Michael (SuingLawyer)
Consumer Recovery Associates (SuingLawyer)
Commonwealth Financial Systems (SuingLawyer)
Collins Law Office (SuingLawyer)
Cohen & Slamowitz, LLP (SuingLawyer)
Channing & Associates (SuingLawyer)
Cambece, James A. aka/Tough Tony (SuingLawyer)
Caferella, Jason J., Attorney (SuingLawyer)
CSGA. LLC (SuingLawyer)
CRS Capital Recovery Services (SuingLawyer)
CACV aka CACH, LLC (SuingLawyer)
C. Water Recoveries (SuingLawyer)
C. Barry & Associates, LLC (SuingLawyer)
Burke, Edward T. & Assoc, P.C. (SuingLawyer)
Burgess, Douglas R. (SuingLawyer)
Burak, Donald S. Attorney (SuingLawyer)
Buffaloe & Associates, Lawyers (SuingLawyer)
Brumbaugh & Quandahl, PC (SuingLawyer)
Bronson, Cawley & Bergmann, LLP (SuingLawyer)
Bronson & Migliaccio, LLP (SuingLawyer)
Brachfeld & Associates, P.C. (SuingLawyer)
Booth and Associates (SuingLawyer)
Booska, Steven A. (SuingLawyer)
Blatt, Hasenmiller, Leibsker & Moore (SuingLawyer)
Bishop, White, Marshall, & Weibel, PC (SuingLawyer)
Bennett & DeLoney, PC. (SuingLawyer)
Baumann Law Firm (SuingLawyer)
Bass and Associates (SuingLawyer)
Barnes, Curtis, O. Con-America (SuingLawyer)
Bamford, Thomas K./Elder, Timothy L (SuingLawyer)
Baker, Lawrence, Attorney (SuingLawyer)
Aurora, Gold & Associates, LLC (SuingLawyer)
Associated Recovery Systems (SuingLawyer)
Asset Recovery Associates (SuingLawyer)
Asset Acceptance Corp. (SuingLawyer)
The Andersen Group (SuingLawyer)
American Legal Services, PC (SuingLawyer)
Allen, Lewis & Associates, Inc (SuingLawyer)
A&S Collection Associates (SuingLawyer)
AIS Services, LLC (SuingLawyer)
AGRM, LLC (SuingLawyer)
Michaels & Assoc (SuingLawyer)
Dignity Health - St. Rose Dominican (Creditor)
Grant & Weber, Inc. (CollectionAgency)
Journey Federal Credit Union (Creditor)
Journey Federal Credit Union - St. Johns (Creditor)
AmerAssist (CollectionAgency)
Capital Collection Management (CollectionAgency)
Synchrony - TJ Maxx (Creditor)
Wells Fargo Business (Creditor)
SF Police Credit Union (CollectionAgency)
CapexMD (Creditor)
Nissan Motor Acceptance Corporation (Creditor)
Financial Center Credit Union (Creditor)
Virginia Credit Union (Creditor)
California Credit Union (Creditor)
Natco Credit Union (Creditor)
Lister Hill Credit Union (Creditor)
Haband Credit Credit (Creditor)
Consolidation Plus (Creditor)
Pritchard Law Firm (Creditor)
Freedom Plus (Creditor)
ISPC Financing (Creditor)
Pollack & Rosen (CollectionAgency)
Herschel C Adcock Jr Law Office (CollectionAgency)

5) Tax Debt Insolvency From Forgiven Debt

Property	Insolvency Calculation
Assets	$505,000
Liability	$35,000
Difference	$470,000
Insolvency Estimate	FALSE

6) Additional Insights from Calculator

The form output shows that you have disposable income that may cover most of your unsecured debt. A bankruptcy attorney may get more granular with your income and expenses.
Your home equity is $500,000 and the home exemption in California appears to be $600,000.
US Bankruptcy Form B 122C-2 determines your monthly disposable income as $972.
Your Total Unsecured / Total Annual Income = $35,000 / $156,000 = 22%

7) Pros and Cons of Debt Settlement

Although our calculator is 60% confident Debt Settlement may be the best course of action for you, please consider the following pros and cons.

Pros

Potential savings can be significant
Payment flexibility for inconsistent income
Can be < 1 year with access to capital
May access credit sooner than bankruptcy
Account cancellation creates accountability

Cons

Medium to high damage to credit report
Medium to high damage to credit score
Potential taxes on forgiven debt
May be sued and collections can continue
Late fees and interest
On Public Record (if creditor sues)
Low to medium success rate

8) Articles to consider

*The above analysis is an estimate and is for illustrative purposes based on the information you provided. Furthermore, Ascend is not a bankruptcy firm, and the information on tryascend.com is not legal advice nor should it be construed as such.