Talk to a professional to enhance your do-it-yourself experience!
We understand there isn't a class in high school or college to teach you these types of things. Take advantage of our free consultations so you're able to determine if our services are something that will work for you.
 I have good credit. What do I do?
- You want to protect your good credit if possible.
- Speak with a professional about your situation and find out if you can.
- We discuss your debts, asset situation, past, current and potential future financial health and your future goals.
- The objective is to review all of your options that may allow you to keep current, but gain control.
- If a make sense solution to preserve your good credit doesn't present itself, we will show you why payment plans, debt settlement, credit counseling, or bankruptcy may be your best route.
Cost: $150 Contact Us to schedule your appointment. Appointment may last up to one hour.
I have bad credit. What do I do?
- Since we only offer do-it-yourself services, you can count on speaking to a non-biased professional that will thoroughly review your situation, and give you proper advice on what you should really do.
- We conduct these with a "what would we do if we were in your shoes and what is the worst case scenario" approach.
- We discuss your debts, asset situation, past, current and potential future financial health, and your future goals.
- Then we will show why debt settlement, credit counseling, payment plans, or bankruptcy may be your best route.
Cost: $150 Contact Us to schedule your appointment. Appointment may last up to one hour.
How to make payment plans on my own
- Learn about deferments, re-ages, and revolving to installment conversions.
- Learn what strategies are best to employ with creditors, collection agencies and attorneys.
- Discuss your income and expenses to determine what you can afford to pay and offer.
- Learn how to prepare hardship letters, budgets, and your approach.
Cost: $150 Contact Us to schedule your appointment. Appointment may last up to one hour.
Create a Do-It-Yourself Debt Settlement Road Map
- Complete financial analysis that analyzes your income, assets and debts.
- Determine how much you can comfortably accumilate monthly.
- Approximate the length of time to be debt free.
- Forecast the order and frequency of your settlements.
- Determine the overall approximation of the cost to settle.
Cost: $150 Contact Us to schedule your appointment. Appointment may last up to one hour.
What does this collection agency, creditor or attorney settle for?
- Are you big on preparation? We are too!
- We house millions of dollars worth of settlement data that we ourselves have conducted over the years.
- Want to make sure you are getting the best deal? Want to know what you should offer? We can tell you!
Cost: $25 per account. Contact Us to schedule your appointment.
Design strategy - Create a package to submit offers to your creditors
- We help you create a package to submit to your creditors for when you make your offer.
- The package will allow you to negotiate from a non-aggressive, make sense approach.
- We are well versed on what information you do, and do not want to be forthcoming with.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
How do collectors think? What do I need to know?
- Learn the process that a collector may go through while working your account.
- Learn about possible skip-tracing methods they may use.
- Learn how your various accounts may be worked differently.
- Learn how a collector views your collectability.
- Learn about what information they probably do and do not have about you.
- Become more aware of your boundries in regard to privacy. You want to be cooperative, just not too cooperative.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
What may happen to my accounts as they age?
- Learn about the typical life cycle of your accounts.
- Find out if the creditors you owe are more legally aggressive.
- Find out if they typically sell your account to a debt buyer.
- Learn how to approach various agencies as your account travels through its collection cycle.
- Feel confident about knowing the probabilities of the course, and possible outcomes on the accounts you owe.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
How do I handle this debt collector?
- You may have encountered some unnecessary resistance during a communication with one of your creditors.
- This service is designed to teach you how to handle the situation and gain control in both a philosophical and strategic manner, so you may increase your chances of achieving your goal.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
How should I approach this creditor?
- Learn how the creditors you owe operate their collection efforts.
- Learn about what makes them want to negotiate.
- Learn about which creditors are less negotiable than their collection agencies.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
What do I do about all these collection calls?
- We do not advocate cease and desist letters. They greatly increase your chances of being sued.
- Learn various methods and their expected results, so you may decide what makes you most comfortable.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
General Debt Advice
- Discuss items that aren't covered by our other services.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
Role Playing
- Feel like practicing before making that call? We can help with that too!
- While role playing, we take different approaches to ensure a broad range of situations.
- Take advantage of our feedback and achieve better results.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
Periodic Reviews
- Whenever you find the need, you may talk with a professional about your updated situation.
Cost: $75 Contact Us to schedule your appointment. Appointment may last up to 30 minutes.
The Complete Do-It-Yourself Debt Settlement Package
- Create a Do-It-Yourself Debt Settlement Road Map
- Design strategy - Create a package to submit offers to your creditors
- How do collectors think? What do I need to know?
- What will happen to my accounts as they age?
- How do I handle this debt collector?
- How should I approach this creditor?
- What do I do about all these collection calls?
Cost: $450 That is a $150 savings off of the combined pricing for the included services. Length of appointment varies depending on circumstances. Contact Us to schedule your appointment.
We are available to you every step of the way. Feel free to email or call us with any questions.
What will I need for my appointment?
- Credit Report - you are entitled to one free credit report per year from each of the three credit bureaus via www.annualcreditreport.com.
I need help saving my credit report to a .htm file.
If you have the abilty to print to pdf, that would be preferable. You may also physically print your credit report and fax it to us. Our fax number is 888-912-9101. If emailing a pdf or faxing isn't an option, then when you're viewing your credit report in Internet Explorer, go to:
- File
- Save As
- Select the save to destination to your desktop
- In the drop down at the bottom labeled Save as type select *.htm;*.html
- Title the file last name, first name CBR - Doe, John CBR
- Attach the file and provide any additional information in the body of your email
- Send to info@avoidbk.com
- After you have emailed the information, move the file from your desktop to a folder that you find private and secure
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