Premier Debt Coaching - $199.00

Full debt review with advanced priority mapping

• Deep analysis of balances, interest rates, charge‑off timelines, and creditor behavior

• Identification of high‑risk accounts, settlement‑ready accounts, and strategic opportunities

• Clear explanation of how each account impacts your overall financial picture

Comprehensive multi‑scenario payment strategy

• Multiple payoff paths (settlement‑focused, payment‑plan‑focused, hybrid, or accelerated payoff)

• Scenario comparisons showing timelines, estimated savings, and monthly budget impact

• Customized strategy built around income, expenses, hardship factors, and long‑term goals

Creditor communication coaching with detailed call preparation

• Exact scripts tailored to each creditor type (banks, debt buyers, collectors, etc.)

• Guidance on what to say, what to avoid, and how to stay in control of the conversation

• Walkthrough of common creditor responses and how to handle each one confidently

In‑depth negotiation support for settlements and payment plans

• Coaching on evaluating offers, counteroffers, and deadlines

• Understanding settlement ranges, hardship approvals, and realistic expectations

• Guidance on when to accept, when to negotiate, and when to wait

• Compliance‑ready explanations, including potential tax implications like 1099‑C

Long‑term action roadmap with milestones and progress markers

• Clear sequence of steps to follow over several months

• Milestones for each creditor, including expected timelines and checkpoints

• Progress tracking structure to help you stay organized and motivated

180 days of follow‑up support and ongoing adjustments

• Regular check‑ins to update strategy as your situation evolves

• Support during negotiations, payment plan setup, or settlement execution

• Continued accountability, guidance, and reassurance throughout the process