Financial Recovery Planning™
Helping You Understand Your Financial Options Before Making Major Financial Decisions.
Educational Purposes Only
Financial Recovery Planning™ focuses on educational financial planning and strategy. It does not provide legal advice. It does not establish an attorney-client relationship. It provides educational financial analysis designed to help clients better understand their financial situation before pursuing financial recovery options.
Educational Options Comparison
Every assessment includes an educational comparison of available options so you can make informed decisions. We never recommend a specific legal action. We explain options educationally so you can decide what to explore further.
Financial Restoration
Purpose
A structured program to restore your financial profile through systematic review and correction of reporting.
Potential Benefits
May improve your credit profile over time through a structured, guided process.
Potential Considerations
Requires ongoing engagement and patience. Results are not immediate.
Who May Wish to Explore
Individuals with credit reporting issues who want a guided restoration process.
Debt Settlement
Purpose
Negotiating with creditors to resolve outstanding balances for less than the full amount owed.
Potential Benefits
May reduce the total amount needed to resolve outstanding debts.
Potential Considerations
May have tax implications and temporary credit impact. Not all creditors will negotiate.
Who May Wish to Explore
Individuals with significant unsecured debt who have funds available for settlement.
Debt Validation
Purpose
Requesting that collectors verify the legitimacy and accuracy of disputed debts.
Potential Benefits
May identify collection accounts that cannot be properly validated.
Potential Considerations
Does not eliminate legitimate debts. Timelines are governed by consumer protection laws.
Who May Wish to Explore
Individuals with collection accounts who question their accuracy or validity.
Bankruptcy Education
Purpose
Understanding the different bankruptcy chapters, eligibility requirements, and potential outcomes.
Potential Benefits
Provides a clear understanding of whether bankruptcy may be appropriate for your situation.
Potential Considerations
Bankruptcy has significant long-term implications. This option may warrant further discussion with a licensed bankruptcy attorney.
Who May Wish to Explore
Individuals overwhelmed by debt who want to understand whether bankruptcy is worth exploring with an attorney.
Budget Restructuring
Purpose
Reorganizing your income and expenses to create a sustainable financial path forward.
Potential Benefits
May free up resources to address debts without additional services.
Potential Considerations
Requires discipline and ongoing commitment. May not be sufficient for severe financial hardship.
Who May Wish to Explore
Individuals whose debt burden is manageable with better financial organization.
Waiting / Monitoring
Purpose
Taking no immediate action while monitoring your financial situation for changes.
Potential Benefits
Avoids unnecessary costs. Some negative items may naturally age off reports over time.
Potential Considerations
Statutes of limitation vary. Waiting may not resolve active collections or lawsuits.
Who May Wish to Explore
Individuals whose financial issues are minor or may resolve themselves without intervention.
TrueCivix Solutions LLC is not a law firm. Nothing in this comparison should be interpreted as legal advice or a recommendation to file bankruptcy. Clients considering bankruptcy or other legal remedies should consult a licensed attorney regarding their specific circumstances.
How It Works
Purchase
Select your assessment and check out securely.
Complete Intake
Answer questions about your financial picture and upload documents.
Analysis
Your financial analyst prepares your written assessment.
Receive & Discuss
Get your assessment PDF and message your analyst with questions.