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| Credit Report Analysis A detailed credit report analysis is performed to assess credit and debt related problems, potential solutions and action plan resolution. The analysis will also detect errors that commonly occur on credit reports including; mistaken identity, obsolete or outdated information, cross-referenced accounts, duplication of accounts, incorrect payment history information, account balance errors, debt to equity ratio manipulation, incorrect personal information reported and unauthorized inquiries. Debt Verification Services Preparation of documentation to verify information reported to National Credit Reporting Agencies by creditors, collection agencies, and public record filings. Formal updating, correction or deletion of incorrect or outdated personal information reported. Negotiation with Creditors & Bankruptcy Prevention DPMC Consulting acts as a mediator with creditors to resolve debt issues. We will negotiate with creditors in an effort to satisfy client debts in full at negotiated reduced settlement amounts. If a debt cannot be settled by a reduced lump sum payment, agreements that meets both creditor requirements and our client's ability to make monthly payments are established. Bankruptcy Recovery Services Updating of credit reports to reflect correct reporting of accounts discharged under Chapter 7 Bankruptcy. Updating of accounts reported under Chapter 13 Bankruptcy or Wage Earner Plan. Strategic solutions to reestablish both secured & unsecured credit lines after bankruptcy. Student Loan Default & Default Prevention Services If you have defaulted on a public or private student loan, we provide competent, effective student loan services that utilize various consolidation and rehabilitation strategies to remove student loans from default status. We also specialize in student loan default prevention and mediation. Mediation services include negotiations with the U.S. Department of Education, State Loan Guarantors, Public & Private Universities, Colleges and Collection Agents. Identity Theft & Credit Fraud Resolution If you are a victim of credit fraud, DPMC Consulting provides Identity Theft & Credit Fraud Resolution services. These services encompass researching the account(s) with the creditor reporting to the credit bureaus. Formal steps to have fraudulent debts removed from the credit report profile are taken. Updated credit report analysis is also performed to ensure accurate future reporting to credit reporting agencies. Tax Lien & Judgment Resolution If a Tax Lien or Civil Judgment has been filed against you, DPMC Consulting negotiates with the Internal Revenue Service, State & Local tax offices, lien holder(s) or parties that have filed judgments to arrive at reduced settlement amounts. If reduced settlement agreements are not possible, we will establish short or long-term installment agreements. Mortgage Foreclosure Prevention Negotiation and/or Mediation with Mortgage Lenders Loss Mitigation Departments, Internal Collection Department or Legal Representatives of the Lender to prevent Legal Foreclosure Proceedings and Sheriff Sale of Real Property (Residential/Commercial) through a combination of Workout Plans, Loan Modification or Loan Forbearance Programs. Real Estate Short Sale Support Direct Negotiation & Mediation with Mortgage Lenders Loss Mitigation Departments, Lender Short Sale Negotiators, Listing & Buyer Agents, and/or Property Owners to facilitate successful lender approval and sale of real property where the offered sales price is less than the loans value or what is owed to the primary mortgage holder. Negotiation with Subordinated Lien-Holders (2nd/3rd Mortgages) Loss Mitigation Departments and/or Short Sale Negotiators to accept less than the loans value or what is owed to release junior lien(s) on real property to allow sale of the property where the offered sales price is less than the loans value or the total amount(s) that are owed to multiple lenders. Components of a Successful Short Sales are:
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