What will A-Z Financial Solutions do for your customers?

• Negotiate

 Amount owed to creditor regardless of the creditor
 Interest rate reduction
 Eliminating Late Fees on credit cards
 Eliminating Over the Limit Fees on credit cards
 Eliminating of negative marks from credit history
 Repayment plan that the customer can live with and keep current

• Types of Debts that A-Z will negotiate:

 Credit card
 Medical Bills
 Medical Liens and Judgments
 Apartment Lease Balances
 Student Loans
 Family Support Issues
 Court Judgments
 Federal and State Tax Liens
 Repossessions and Foreclosure Balances


• What will A-Z not do for your customers?

 We will not tell you customer that we can remove a bankruptcy from their credit file.
 We will not tell your customer that we can remove tax lien information from their credit file.
 A-Z is not a credit repair company. (Credit Repair is in violation of Federal Law)
 We will not tell your customer that we can get negative entries to go away unless they are in error or outdated.

• Who are A-Z Financial Solutions customers?

 Consumers that have outstanding balances and want to settle the account
 Consumers that cannot pay the minimum balances due
 Consumers that cannot afford to file bankruptcy under the new rules because of too many assets
 Consumers that need someone to negotiate tax liens, student loans or family support issues
 Consumers that are refinancing their homes to get cash to pay off credit cards and other bills.
 Consumers that have received personal injury settlements and now need to settle outstanding debts
 Consumers that want to buy a home but cannot because of debt to income ratio problems
 Consumers that have had past problems but are now back on their feet and need to try and rebuild their credit history
 Consumers that are over their heads in debt and need some help

• What is the process for using A-Z Financial Solutions?

 A consumer can go to a-zfinancialsolutions.com and download the worksheet or ask for an information package to be sent by mail or email.
 The consumer returns the information along with a copy of his/her credit report to A-Z.

 A-Z will review the information and contact the consumer within 72 hours of receiving the information, with a concise report of what A-Z will propose to do for consumer.

 Consumer will then have the opportunity to ask questions and decide if A-Z is the right organization to help with their credit negotiation needs.

 If the consumer wants to employ A-Z, contracts with all details and a power of attorney to be signed by the consumer will be prepared for the consumer.

 Consumer will employ A-Z and deposit first installment of payment plan or settlement fees.

 A-Z will contact creditor(s) to start negotiations.

 After A-Z has established a payment plan with creditor, A-Z will notify consumer of payment plan and start managing plan for consumer.

 If plan calls for a monthly payment plan, the consumer will make regular monthly payments to A-Z which in turn will make the payments as defined by agreement between consumers’ creditor and A-Z. This plan will continue until creditor is paid as agreed or until consumer cancels the contract with A-Z.

 If agreement is for a one time payment, the consumer will deposit the fees due A-Z before the negotiations begin. The consumer will deposit the settlement amount with A-Z after a settlement offer has been accepted by consumer. A-Z will complete the negotiation with the creditor by wire transfer of settlement and receiving confirmation from creditor. A-Z will make a best effort to settle any and all accounts that are consistent with current laws and current settlement offers by the creditors.

 A mortgage lender can receive permission from consumer and fax a copy of the credit report to A-Z’s office for an analysis of the report.

 A-Z will analyze the report and send finding to client and lender. The report will state what A-Z believes that it can accomplish for the consumer and the costs involved.

 Consumer can decide if they want to employ A-Z.

 The process will be the same as stated above if consumer proceeds and employs A-Z

• Why should a Lender send customers to A-Z?

 A-Z could help the customer get a better rate.

 The Lender could close on the loan and then help the customer clean up credit problems and then refinance the customer.

 The Lender does not have a deal because of the customers’ credit rating and A-Z could help make a non deal a real deal.

 The Lender will be helping the customer improve their credit and thus the customer will be happy and recommend his/her friends and family.

 The Lender will create a pipeline base in which to get future customers.

 Because it is the right thing to do.

• What will A-Z Financial Solutions do for your customers?

• Negotiate

 Amount owed to creditor regardless of the creditor
 Interest rate reduction
 Eliminating Late Fees on credit cards
 Eliminating Over the Limit Fees on credit cards
 Eliminating of negative marks from credit history
 Repayment plan that the customer can live with and keep current

• Types of Debts that A-Z will negotiate:

 Credit card
 Medical Bills
 Medical Liens and Judgments
 Apartment Lease Balances
 Student Loans
 Family Support Issues
 Court Judgments
 Federal and State Tax Liens
 Repossessions and Foreclosure Balances


• What will A-Z not do for your customers?

 We will not tell you customer that we can remove a bankruptcy from their credit file.
 We will not tell your customer that we can remove tax lien information from their credit file.
 A-Z is not a credit repair company. (Credit Repair is in violation of Federal Law)
 We will not tell your customer that we can get negative entries to go away unless they are in error or outdated.

• Who are A-Z Financial Solutions customers?

 Consumers that have outstanding balances and want to settle the account
 Consumers that cannot pay the minimum balances due
 Consumers that cannot afford to file bankruptcy under the new rules because of too many assets
 Consumers that need someone to negotiate tax liens, student loans or family support issues
 Consumers that are refinancing their homes to get cash to pay off credit cards and other bills.
 Consumers that have received personal injury settlements and now need to settle outstanding debts
 Consumers that want to buy a home but cannot because of debt to income ratio problems
 Consumers that have had past problems but are now back on their feet and need to try and rebuild their credit history
 Consumers that are over their heads in debt and need some help

• Why should a Lender send customers to A-Z?

 A-Z could help the customer get a better rate.

 The Lender could close on the loan and then help the customer clean up credit problems and then refinance the customer.

 The Lender does not have a deal because of the customers’ credit rating and A-Z could help make a non deal a real deal.

 The Lender will be helping the customer improve their credit and thus the customer will be happy and recommend his/her friends and family.

 The Lender will create a pipeline base in which to get future customers.

 Because it is the right thing to do.