What we actually do for people

Real clients, real situations, real results. No vanity metrics — just the work and what came out the other side.

147
Clients served
3
Service pillars
98%
Client satisfaction
Credit Repair

From 520 to 710 in 14 months — no shortcuts, no gimmicks

MW
Marcus W.
Raleigh, NC  •  38 years old  •  Restaurant manager

Marcus came to us with a 520 credit score, $31k in collections, and a goal of buying a house within 18 months. His biggest barrier wasn't income — it was time and knowing where to start.

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Before
The challenge
  • 520 FICO score across all three bureaus
  • 6 accounts in collections totaling $31,400
  • Two late payments on a car loan — recent and damaging
  • Had tried a DIY credit app with zero results over 8 months
  • Pre-approved mortgage offer expired; afraid of losing the window on his dream home
Approach
The work we did
  • Full audit of all three bureau reports — found 11 disputed items that had errors in account status or payment dates
  • Filed formal disputes with all three bureaus simultaneously using verified correspondences
  • Negotiated pay-for-delete agreements with 4 of 6 collectors, removing $22,800 from his profile
  • Established two secured cards with on-time reporting rotation to rebuild payment history
  • Coached Marcus on the "AZEO method" — All Zero Except One — to optimize his utilization ratio
  • Pulled new credit every 90 days to track progress and catch any reporting errors early
Result
What happened
520
710
FICO score after 14 months
  • 11 erroneous items removed from bureau reports
  • $22,800 in collections deleted via pay-for-delete
  • Closed on a $285,000 home at 6.4% — 4 months ahead of schedule
  • Monthly mortgage payment is $400 less than his previous rent
Child Support Disputes

Child support obligation cut by 40% with a documented changed circumstance

TJ
Tamika J.
Atlanta, GA  •  34 years old  •  Healthcare administrator

Tamika's ex lost his job and stopped paying child support, but the court order was based on his previous income — she was on the hook for the gap while waiting for a modification. We helped her get a temporary agreement and a formal modification on the docket.

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Before
The challenge
  • Ex-husband's income used to calculate support was $78,000/year — he had since been laid off and was working part-time at $32,000
  • Child support order: $1,850/month based on that prior income
  • Ex paying $0 while modification was pending — Tamika absorbing the $1,850 gap herself
  • Two previous attorneys told her modifications take 6–9 months minimum; she'd already waited 4 months with no filed motion
  • Her daughter (age 7) needed orthodontic work that the support was supposed to cover
Approach
The work we did
  • Gathered 6 months of paystubs from ex showing income reduction (W-2, pay stubs, unemployment documentation)
  • Built a financial profile showing Tamika's current income and household expenses
  • Filed a formal Motion to Modify Child Support with the court citing documented changed circumstance
  • Simultaneously filed a Motion for Temporary Orders to address immediate cash flow gap while modification was pending
  • Coordinated with Tamika's attorney to respond to ex's counter-filing with income documentation rebuttal
  • Prepared a child support guidelines worksheet using Georgia's official calculation formula
Result
What happened
$1,850
$1,100
New monthly support obligation
  • Support reduced by 40% based on ex's documented income change
  • Temporary orders issued in 6 weeks — Tamika received retroactive credit for 4 months of overpayment
  • Total process from engagement to finalized order: 4.5 months
  • Daughter's orthodontic costs included in revised order as shared extraordinary expense
Child Support Disputes

Income-change modification — Fulton County

CA
Anonymized client
Atlanta, GA  •  Anonymized client  •  Custodial parent

Court reference: Fulton County Case #2024-DR-00921. The order was entered on a pre-tax income figure from two years prior that no longer reflected actual earnings. We documented five months of paystub history, filed the modification motion, and walked the case through to a recalculated order with retroactive credit.

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Result
What happened
$2,400
$1,300
New monthly support obligation
  • Monthly obligation reduced by 46% based on documented income change
  • Retroactive credit applied for four months of overpayment
  • Total process from engagement to finalized order: 90 days
Child Support Disputes

Temporary-orders bridge — DeKalb County

CB
Anonymized client
Decatur, GA  •  Anonymized client  •  Custodial parent

Court reference: DeKalb County Case #2023-DR-04418. Modification dockets weren't moving fast enough to absorb the cash-flow gap, and the obligor was already behind on payments. We filed the Motion for Temporary Orders in parallel with the substantive modification so the client had a bridge order in hand ahead of the hearing.

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Result
What happened
$2,100
$1,400
Temporary monthly obligation in effect pending modification
  • Temporary orders issued 58 days from filing
  • Cash-flow gap reduced by $700/month for the duration of the proceedings
  • Court-approved arrears repayment schedule tied to the temporary-orders amount
Child Support Disputes

Arrears buy-down — Cobb County

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Anonymized client
Marietta, GA  •  Anonymized client  •  Non-custodial parent

Court reference: Cobb County Case #2024-DR-01872. The stated arrears balance had not been recalculated in 18 months. We reconstructed earnings during the arrears window, presented a buy-down supported by the documentation, and got the court to enter a reduced total with a structured repayment plan.

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Result
What happened
$18,400
$12,000
Arrears balance after buy-down
  • Arrears total reduced by 35% — entered as a modified order
  • Income-withholding order adjusted to the new repayment schedule
  • Both parties' attorneys stipulated to the new figure, avoiding a contested hearing
Business Funding

$185,000 SBA 7(a) loan after two bank rejections — here's why we got it done

RP
Rafael P.
Houston, TX  •  45 years old  •  Commercial HVAC contractor

Rafael's HVAC company had a $185k equipment purchase opportunity — a bulk order that would cut his costs by 30% and let him take on larger contracts. He needed the capital fast and had been rejected by two banks. We helped him understand what lenders actually look at and got the deal done.

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Before
The challenge
  • Revenue: $840,000/year, 3 years in business — barely qualified for SBA minimum
  • Rejected by Bank of America: "Insufficient time in business" and "concerns about debt service coverage"
  • Rejected by regional credit union: "Tax returns show inconsistency in net income"
  • Equipment vendor deadline: 60 days — clock was ticking and cash wasn't available
  • Personal credit score: 640 — clean but not exceptional, which was limiting alternative lenders
Approach
The work we did
  • Diagnosed why the two rejections happened: both lenders were looking at raw tax return numbers without context — one bad year was due to a major equipment repair, not a real business decline
  • Prepared a financial narrative document explaining the "anomaly year" with bank statements and contractor invoices as supporting evidence
  • Cleaned up Rafael's balance sheet: consolidated two high-interest equipment loans to improve his DSCR
  • Built a 12-month cash flow projection showing the revenue lift from the bulk equipment purchase (30% cost savings passed through to 3 large pending contracts)
  • Sourced SBA Express lender with 90-day expedited processing and matched application to their specific underwriting criteria
  • Prepared 3 years of clean profit & loss statements and certified financial projections
Result
What happened
$0
$185,000
SBA 7(a) loan secured
  • Loan funded in 67 days — met the equipment vendor deadline with 7 days to spare
  • Rate: 7.25% (prime + 2%) — well below the 12–15% terms he was seeing from alternative lenders
  • 10-year term with no prepayment penalty — flexibility to pay down faster without penalty
  • 30% cost savings on equipment order realized in first year; net savings exceeding $40,000

Your situation is unique. Your plan should be too.

These clients came in with specific problems and left with specific outcomes. That's how we work. If you're facing a credit issue, a support dispute, or a funding gap — let's talk about what's actually possible for you.

Free consultation  •  No commitment required