Founded by a FAS® certified fiduciary, our practice restructures unsecured debt with disclosed fees and no creditor commissions.
Founded by a FAS® certified fiduciary, our practice restructures unsecured debt with disclosed fees and no creditor commissions.
Meet your advisor
The People Behind Your Plan
Every household that reaches out to us is carrying more than a balance sheet — worry, sleepless nights, and sometimes shame that was never deserved. Our team exists to carry that weight with you, with patience, honesty, and a plan you can actually follow.
Founder & Fiduciary Advisor
Marcus started this practice after watching his own family struggle through debt collectors and confusing settlement offers. Seventeen years later, he still takes the first call with every new client himself, because he believes trust is built one honest conversation at a time.
Senior Client Case Manager
Barbra is the steady voice clients hear between milestones — returning calls the same day, translating paperwork into plain language, and making sure no one feels forgotten while their plan is underway.
Credit & Budget Counselor
Renata builds the household budgets behind every restructuring plan. He listens first, judges never, and helps families see a realistic path forward within their first sit-down.
We are a small team on purpose — small enough that your file is never a stranger's, and every person who answers the phone already knows your name and your story.
Credentials & Compliance
Fiduciary Advisory Services (FAS) designation, maintained through ongoing education and an enforceable code of ethics.
We are legally obligated to act in your interest first — not a creditor's, not a servicer's, and not our own.
Our Debt Restructure Program operates under federal consumer-protection rules for disclosures and fee timing.
Costs, timelines, and expected outcomes are documented in writing before you agree to anything.
We accept no compensation from lenders, so our recommendation is never influenced by who pays us.
Annual coursework in consumer credit law, household budgeting, and negotiation practice keeps our guidance current.
Our numbers come from completed plans, not projections. Every figure below reflects households that finished their restructuring schedule with us and moved on to rebuilding savings.
We do not sell
debt products. We build
exit plans households
finish.
Serving individuals and families nationwide from our Charlotte, North Carolina advisory office.
