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We help business funding originators close more deals

You are referring to the John P. Chay PLLC

Aggressive legal representation to resolve issues stopping business loan funding

All documents come back to the law firm – not the client.

Open, transparent process

Often faster than traditional credit repair that disputes at the credit bureaus.

Debt Settlement Quick

We will help clients settle their debt, ideally for a deletion or removal from the credit report. Often because of our relationships with creditors we are able to achieve results others can not.  Clients are  hiring us for speed, efficiency, and results.

What we do:

  • We set the appropriate expectation with the client letting them know anticipated settlement amount and our cost.
  • We contact the creditor or debt collector directly
  • We negotiate the best deal to be had given time frame and circumstances
  • We follow-up with client to make sure payment is received.
  • Obtain paid letters and deletion letters to give to client and you.

Usually less than 30 day turn time

Often receive deletions / removal from credit report

We DO NOT charge a percentage of savings

Clients pay creditors directly

Flat Fee pricing with payment plans

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Dispute and Resolve

We will help clients settle their debt, ideally for a deletion or removal from the credit report. Often because of our relationships with creditors we are able to achieve results others can not.  Clients are  hiring us for speed, efficiency, and results.

What we do:

  • We set the appropriate expectation with the client letting them know anticipated settlement amount and our cost.
  • We dispute with the creditor or debt collector directly
  • We review all documentation that comes back from the creditors and send to the client via email.
  • We expect some of the creditors to delete with no further action needed.
  • For accounts remaining, we negotiate the best deal to be had given time frame and circumstances
  • We follow-up with client to make sure payment is received.
  • Obtain paid letters and deletion letters to give to client and you.
  • Mortgage professionals can send to rapid rescore the documents we receive.

    Usually less than 90 day turn time

    Often receive deletions / removal from credit report without settlement

    We DO NOT charge a percentage of savings

    Clients pay creditors directly

    Flat Fee pricing with payment plans

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    Judgment Settlement / Lien Release

    We will help a client with their judgment. They can either settle or try to Vacate the Judgment. Some  states may allow for more options.

    What we do:

    • We set the appropriate expectation with the client.
    • We contact the Plaintiff’s attorney or settlement company.
    • We negotiate the best deal to be had given time frame / circumstances OR we fight the lawsuit in court.
    • We write a professional hardship package on the clients behalf that often gets better results.
    • If the client settles ,we follow-up with client to make payment to creditor’s law firm.
    • Obtain paid letters, release of judgments, or  deletion letters to give to client.
    • Because we know the law firms and company and have done this thousands of times before, we often can do it faster.

      Flat fees with convenient payment plans.

      No hourly fees

      We know how and have the relationships to achieve fast results.

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      Debt Lawsuit Defense

      We will help a client with their lawsuit filed by a debt buyer or creditor. They can either settle or fight the lawsuit depending on their budget and goals.

      What we do:

      • We set the appropriate expectation with the client.
      • We contact the Plaintiff’s attorney
      • We negotiate the best deal to be had given time frame / circumstances OR we fight the lawsuit in court.
      • If the client settles ,we follow-up with client to make payment to creditor’s law firm.
      • Obtain paid letters, release of judgments, or  deletion letters to give to client.

        No Hourly Fees. Easy Payment Plans.

        We have handled thousands of debt related lawsuits

        Goal Oriented to help clients achieve their goals.

        We set appropriate expectations for clients

        When a consumer wrongly blames the CRO for them getting sued, we help realign responsibility.

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        FDCPA / FCRA Lawsuits

        We help clients enforce their FDCPA / FCRA rights. After reviewing the documentation and challenge history, we will:

        First, write the CRA, debt collector, or creditor a demand letter to see if we can resolve the client’s issues quickly. Often we can achieve the client’s objective in less than 45 days allowing them to move on.

        Second, if the response from initial demand letter does not provide the results the client desires we can file a lawsuit to try to bring about a more equitable resolution for the client.

          E8 – Not Communicating a consumer dispute

          CC – Continued Collection after refusal to pay

          NR – Not responding in time allowed

          IN – Incorrect interest being charged or not allowed.

          MM –  Demand letter and documentation do not match.

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