Financial Recovery Coaching

This plan is for individuals seeking to get back on track financially. This 9 month coaching program is ideal for individuals with unsecured debt seeking guidance and assistance in reestablishing themselves financially. The primary objective of this service is to help the client achieve financial stability and eventually graduate to one of the PayAccel Programs.

Client Description – Inundated with unsecured debt, behind on payments or in collections.

Service Description – Client receives 9 Steps to Wealth workbook set and 9 months of coaching that focuses on credit education, debt elimination, dealing with creditors and collectors and a detailed description of services that can assist them in honorably discharging their debt.

Credit Enhancement Coaching

This program is for credit challenged individuals in need of improving their credit. This is a monthly coaching program for as long as the client needs the service. In some cases clients may be referred to companies specializing in Credit Restoration.

Client Description – Client has poor credit.

Service Description – Client receives workbook set based on the 9 Steps to Wealth Program, monthly coaching sessions focused on credit education and credit restoration. An in depth credit report analysis is provided and the client is taught what is needed to improve their credit.

PayAccel Basic (Home Ownership Preparedness)

This plan is for non home owners with credit card, auto, finance company and other debts. PayAccel Basic is ideal for individuals seeking home ownership. This service is provided to optionees currently leasing a home with the option to buy. The primary objective of this service is to assist an individual in achieving home ownership through debt elimination and credit education. This is typically accomplished in a 1-2 year period.

Client Description – Non Home Owner with unsecured debt and or credit challenged.

Service Description – Client is provided a personal financial coach with emphasis on credit education and home ownership preparedness, a safe and secure TPA service that will automate payments ensuring on time payments and accelerated debt pay down.

PayAccel Plus

This plan is for home owners with multiple creditors. PayAccel Plus client’s typically save more than $100,000 in interest and pay off all of their debts including their mortgage in 8-12 years. If during the analysis it is determined that restructuring their mortgage will improve their overall strategy and refinance by a preferred lender is provided. It is common for a client in PayAccel Plus to get started with the program without refinancing and then refinance at a later date.

Client Description – Home owner’s with multiple creditors. Client is current with all debts and able to make their monthly payments. Good credit is not required.

Service Description – Client receives 9 Steps to Wealth program, a personal financial coach for a full year, a comprehensive PayAccel strategy, safe and secure TPA services that will automate payments ensuring on time payments and accelerated debt pay down, and a personal PayAccel specialist that will assist in implementing PayAccel Strategy. Coaching services are tailored to the client’s current needs and circumstances.

PayAccel HELOC (Mortgage Eliminator)

This plan is for home owners with good credit. The only debt they have is a mortgage or they are able to consolidate all of their non mortgage debt into a HELOC (Home Equity Line of Credit) leaving them with a mortgage and a HELOC. In some cases not all debt is consolidated into a HELOC. This system is also good for individuals wanting to invest in the near future.

Client Description – Home owner’s with good credit and enough equity to qualify for a HELOC. They are familiar with online banking and have internet access.

Service Description – Client receives 9 Steps to Wealth program, a comprehensive coaching and tracking system. Their personal financial coach will work with them in setting up their HELOC system, provide them with mathematical calculations needed to implement system as well as follow up with them for a full year. The tracking system ensures optimal success of program.

PayAccel Premium

This plan is for home owners with multiple creditors. PayAccel Premium combines the convenience and strength of the PayAccel Plus program and the power of the PayAccel HELOC system. Once the client has paid off all unsecured, non mortgage debt, a HELOC is provided to enable the client to implement the PayAccel Mortgage Eliminator system. The combination of these two programs provides the fastest debt pay down and the largest interest savings program in the industry. A refinance is typically provided with this program but is not necessary to enroll in program.

Client Description – Home owner’s with good credit and equity in their home. They are current on all debts and able to make their monthly payments.

Service Description – Client receives 9 Steps to Wealth program, a personal financial coach for two full years, a comprehensive PayAccel strategy, safe and secure TPA services that will automate payments ensuring on time payments and accelerated debt pay down, and a personal PayAccel specialist that will assist in implementing PayAccel Strategy. Once client has paid down all or nearly all non mortgage debt a HELOC is provided to implement the PayAccel Mortgage Eliminator System.

Lease to Own Program

This program is for individuals seeking home ownership. They are currently unable to qualify for a mortgage due to poor credit or the lack of credit. They are employed and able to monthly payments, many are renting, and they have a little money saved up for a down payment. Once the customer is qualified for the Lease to Own Program an investor is found that will buy the home with their credit and then lease it to the client until they are able to purchase it with their credit. This typically takes 12 months. While the client (optionee) is leasing the home from the investor they are on our PayAccel Basic Program which is preparing them for home ownership. PayAccel Basic ensures on time creditor payments and on time lease payments.

Client Description – Renter seeking home ownership but unable to qualify due to poor credit.

Service Description – Client enrolls in the PayAccel Basic program and leases the home from and investor for at least 12 months and no longer than 36 months. Once the client qualifies for a mortgage they then purchase the home from the investor.