Straight answers.
No fine print.

The initial consultation is completely free. No upfront fees, no credit card, no commitment, no obligation of any kind. We review your situation, pull a soft credit report (zero impact to your score), and tell you exactly what we can and cannot do for you.

No. The purpose of the consultation is to inform you, not to enroll you. We explain what we can do, what it will cost, and what the realistic timeline looks like. Then you decide. We don't use countdown timers, high-pressure tactics, or manufactured urgency. If you want time to think it over, that's completely fine. We'd rather you make a good decision than a fast one.

Nothing, really. We pull a soft credit report (the kind that has zero impact on your credit score — lenders can't see it) so we can work through your accounts together. You don't need to gather statements or documents before calling. Just show up and we'll handle the rest.

No. We pull a soft credit inquiry, which has zero impact on your credit score. It's the same type of inquiry that happens when you check your own credit. Lenders can't see it. It does not count against you in any way. We need this to review your accounts accurately.

If you decide to enroll, we connect you with a licensed consumer rights attorney at one of our partner law firms — usually the same day. From that point, all creditor and collector communication goes to the attorneys, not to you. You also gain access to your online portal, where you can track your case status, view documents, and see updates in real time.

Yes. Under FDCPA Section 805(c), you can send a cease-and-desist letter requiring collectors to stop contacting you. Once enrolled, our partner attorneys handle this immediately. If a collector contacts you directly after receiving that notice, they may be in violation of the Fair Debt Collection Practices Act — and that violation can be pursued on your behalf.

That's a decision you make based on your own financial situation. What we can tell you is that our legal dispute process works differently than traditional debt settlement — it uses federal consumer protection law as leverage, which doesn't depend on whether you've missed payments. We'll walk you through what makes sense for your specific accounts during your consultation.

Most clients see meaningful resolution within 12–36 months, which is significantly faster than the trajectory of making minimum payments indefinitely. Some cases move faster. Cases involving active collector violations often see meaningful progress within the first 90 days.

You have a dedicated case advisor and access to an online portal showing your case status, documents, and updates in real time. You will never have to chase us for information. If something meaningful happens on your case, you hear about it.

In the rare cases where a creditor has sufficient documentation to maintain legal standing, we shift strategy. Our partner attorneys negotiate directly and structure repayment terms that work for you — not the creditor's preferred terms.

No — you choose which accounts to enroll. That said, your advisor will walk you through the strategic implications of leaving certain accounts out. In some cases, excluding an account can affect your overall outcome. We'll make a recommendation based on your specific situation, but the decision is always yours.

Most debt relief companies are not law firms. They use a negotiation model that requires your creditors to voluntarily cooperate — and most creditors simply don't. We connect you with consumer rights attorneys who enforce federal law. When a creditor violates your rights under the FDCPA, FCRA, CARD Act, or TCPA, they're legally required to respond. That's a fundamentally different kind of leverage.

Debt settlement companies are not law firms. They require you to stop paying your bills, deposit money into a third-party escrow account, and wait — sometimes years — for voluntary negotiations. This severely damages your credit and doesn't always work.

We connect you with consumer rights attorneys who enforce federal consumer protection law. Our approach uses legal violations as leverage without requiring you to default on payments, avoiding the credit damage of traditional debt settlement.

Debt consolidation rolls your balances into a new loan — you still owe the full amount, you're still paying interest, and you need good enough credit to qualify. It doesn't dispute the validity of the debt or enforce your rights. Our approach identifies legal violations and uses attorney-backed enforcement to resolve accounts, not refinancing.

Bankruptcy is a legitimate option in some situations — and we'll tell you honestly if it might be right for you. But it leaves a major negative mark on your credit for 7–10 years and affects things beyond debt, like housing applications and professional licenses. The consumer rights enforcement approach uses legal violations as leverage, which has a fundamentally different impact on your credit profile. During your consultation, we'll tell you which path makes more sense for your situation.

Credit counseling and debt management plans (DMPs) negotiate lower interest rates with creditors, but you still pay back the full principal over 3–5 years. They work best for people who are current on payments and have a steady income. If collectors are already calling, accounts are already in collections, or you have active violations — a DMP won't stop that. That's where consumer rights enforcement is more effective.

You can send your own cease-and-desist letters and dispute your own credit report — those are your rights. The challenge is knowing which violations apply to your specific accounts, how to document them correctly, and how to pursue them if a creditor doesn't comply. Consumer rights law is technical. Collectors know this, which is why they rely on most people not knowing their rights.

Our approach uses legal dispute and consumer rights enforcement, which has a fundamentally different impact on your credit profile than debt settlement (which requires defaulting). We'll give you an honest picture of what to expect during your consultation — the answer depends on where your accounts stand today.

Collection accounts are often where the most FDCPA and FCRA violations occur — expired statutes, inaccurate reporting, improper contact. These violations give our partner attorneys legal leverage that can result in account resolution, settlement, or removal from your credit report entirely.

In cases where inaccurate or unverifiable information is being reported — which is more common than most people realize — our partner attorneys can pursue removal under the FCRA. We can't make promises about specific outcomes without reviewing your credit file, but we'll tell you exactly what we see during your consultation.

Program fees vary based on the complexity and number of accounts. We'll give you a precise number during your free consultation — no vague estimates. There are no upfront fees. Our partner law firms work on a structured fee model that we'll explain fully before you make any decision.

This depends on your specific situation and which accounts are enrolled. Your advisor will walk you through a realistic picture of what the program looks like financially — including any payments — before you commit to anything.

No. We walk you through the complete fee structure during the consultation. If you enroll, you'll receive a written agreement that outlines everything before you sign. There are no surprises.

We'll tell you honestly if the program isn't the right fit financially. We'd rather give you the information you need to make a good decision — even if that means the program isn't the answer right now. The consultation costs nothing either way.

Yes. Providence Financial Solutions is a consumer rights referral company. We identify violations and connect you with licensed consumer rights law firms whose attorneys provide legal representation. Once enrolled, you have an attorney-client relationship with the law firm assigned to your case — not just a debt relief company.

If you receive a summons or have an active lawsuit, contact us immediately — time matters. Our partner attorneys handle creditor lawsuits and can often identify procedural or substantive defenses that turn the case in your favor. If you've already been served, mention it in the first minute of your call.

We handle credit card debt, personal loans, medical debt, and collection accounts involving FDCPA, FCRA, CARD Act, or TCPA violations. Providence Financial Solutions helps consumers identify violations by debt collectors and credit bureaus under these federal consumer protection laws. We do not handle student loans, tax debt, child support, or alimony.