Create A Stable Financial Future



Debt Mediation is a relief service for people experiencing financial hardship. This popular program allows consumers to reduce their financial obligations to a more manageable sum. Credit Needs helps our clients negotiate with credit card companies and other lenders to help our clients achieve a level of debt they can pay off in a reasonable amount of time.


1 in 5 individuals have inaccuracies listed on their credit reports, which adversely affect their credit scores. Under the Fair Credit Reporting Act (FCRA) consumers have the legal right to dispute inaccurate, outdated, and erroneous information on their credit report.   Credit Needs helps our clients through the emotionally fraught, time-consuming, and often confusing process of disputing inaccuracies on their credit scores. This service often results in large increases in our client’s credit rating, once credit blemishes are removed from their credit report.


Credit Needs helps our clients negotiate with the IRS and/or their state taxing authority in order to settle their unpaid taxes for a lesser amount than what they currently owe. This service is essential to clients who have experienced financial hardship, and were unable to pay their taxes. This service eases the legal anxieties that come with being in bad tax standing.


Credit Needs offers a robust set of debt management services tailored to our client’s needs. In a Debt Management Program, Credit Needs will work with all of our client’s revolving credit lenders to consolidate these bills. Our clients will pay one affordable monthly payment to Credit Needs, which then takes on the responsibility of disbursing individual payments to our client’s creditors.


Nine out of ten voice messages from collection agencies are most likely violating your rights under the Fair Debt Collection Practices Act (FDCPA). These violations occur because most consumers do not know their rights under the FDCPA. Collectors rely on this lack of consumer knowledge in order to break the rules for collection calls, to keep harassing debtors, and violate their rights. Credit Needs has a team of legal experts who can not only stop the abusive collection calls, they can, in some cases, collect up to $500 compensation for our clients.


The goal of Credit Needs’ financial education program is to teach our clients about their finances, so that they can permanently improve their economic future. We will take a comprehensive assessment of the client’s past behaviors, current status, and future goals. We will then arm our clients with the knowledge, tools, and plans necessary to reach their goals.

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