STEP ONE:

RECOGNIZE AND ACCEPT THE PROBLEM

If you have negative cash flow (i.e., your expenses exceed your income) or you would like to save more than you are currently able to, take a close look at what money you have going out. Can you get a part-time job? Rent out a room in your house? Cut back on dinning out? Skip the daily $4 latte? Get a cheaper cable package or cut your land-line phone? Increasing income can be difficult, but most people have some expenses they can trim. Assess your circumstances honestly and decide what is a necessity and what is not.

STEP TWO:

IDENTIFY A SOLUTION

Identifying a clear and achievable solution is a crucial part of anyone’s financial plan. There are many options available to consumers facing financial difficulty. Our specialty is providing debt validation services that allow consumers to verify unsecured debts when third-party creditors make collection attempts. Panamerican Consulting’s Validation Program is the perfect plan for many individuals; thoughtfully determine if it is the perfect solution for you and your family

STEP THREE:

TAKE IMMEADIATE ACTION

Panamerican Consulting can help you achieve your financial goals! Using our proactive Validation Program, enrolled clients will enjoy superior care and security of a performance based validation program. We will earn your trust and confidence by successfully performing our validation services before you are charged a penny!

Panamerican Consulting can help you achieve your financial goals! Using our proactive Validation Program, enrolled clients will enjoy superior care and security of a performance based validation program. We will earn your trust and confidence by successfully performing our validation services before you are charged a penny!

OVERVIEW

Annually, a conservatively estimated $50 billion dollars of unsecured debts are charged-off and sold by original creditors. At least 60% of that $50 billion are credit card accounts which are sold to third-party collectors (See chart below). Traditionally, there have been only a few methods by which consumers can find relief: debt settlement, debt consolidation, credit card counseling, debt management and bankruptcy. Based on the intricate details of how debts are purchased and transferred from original creditors to third-party collectors, Panamerican Consulting has identified an opportunity to help consumers beyond the traditional approaches of relief.

CREDITOR HARASSMENT

One of the disadvantages of most debt relief programs is that consumers have to endure pestering calls from collection agencies and collection attorneys. Per the FDCPA, third-party collectors MUST STOP all collection efforts, communications and reporting to credit bureaus until they properly verify disputed accounts. Our resolution method puts an end to those harassing calls and provides considerable emotional relief to the consumer.

CREDIT PROFILE

Consumers cherish the possibility of an unblemished credit report and most are concerned with further damaging their credit when considering current debt relief programs. Some traditional debt relief programs offer credit repair services as a complement for an additional charge in efforts to alleviate consumer concerns. Although Panamerican Consulting does not provide credit repair services, our thorough approach ensures that derogatory postings are minimized and often removed, with the exception of those postings from the original creditors.

The most unique attribute of Panamerican Consulting’s Validation Program is the statutory laws used as the basis on which the debts are resolved. Federal laws such as the FDCPA (1977) and the FCRA (1970) collectively outline consumer credit rights and protections. Consumers enrolled in our Validation Program benefit from Panamerican Consulting’s knowledge and expertise that have been refined and proven over the past seven years.