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A Thoughtful, Structured Approach to Financial Challenges
At United Financial Freedom, our programs are designed to support individuals facing financial pressure by providing education, evaluation, and advocacy. We do not offer one-size-fits-all solutions. Each program is considered based on individual circumstances, eligibility, and client goals.
Participation in any program is voluntary, and outcomes depend on creditor policies and financial conditions.
Choosing The Right Program
Not every program is right for every client. Eligibility depends on individual financial circumstances, goals, and lender requirements.
Our role is to help clients understand:
• What options may be available
• How different approaches may impact finances and credit
• Which program aligns best with their situation
Clients are never obligated to enroll in any program.
Debt Mediation Advocacy
What This Program Is
Debt mediation advocacy is designed for individuals experiencing financial hardship who want support navigating communication with creditors.
Through this program, we help clients organize financial information, document hardship, and understand how mediation-based approaches may be applied. Creditors review information independently and determine what, if any, options are available.
What This Program May Include
• Review of financial hardship and account details
• Assistance preparing hardship documentation
• Support with creditor communication and follow-up
• Ongoing guidance as circumstances evolve
Important Notes
• Outcomes are not guaranteed
• Creditors are not required to agree to mediation requests
• Results vary based on individual circumstances and creditor policies
Lower Interest Credit Integrity Program
What This Program Is
The Lower Interest Credit Integrity Program is designed for clients who want to maintain positive relationships with creditors while reducing interest burden and improving credit utilization.
This program focuses on education and strategic planning. For qualifying participants, we work with clients to explore lower-interest or promotional balance transfer opportunities when available.
What This Program May Include
• Review of current credit profile and utilization
• Education on interest reduction strategies
• Evaluation of balance transfer opportunities
• Structured planning to support responsible credit use
Important Notes
• Qualification depends on credit profile and lender approval
• Promotional interest rates are time-limited
• This program is not appropriate for all clients
Debt Settlement Evaluation
What This Program Is
Debt settlement evaluation is offered to qualifying clients who want to explore whether settlement discussions may be an appropriate option after documented hardship.
This program focuses on evaluation and preparation. Any settlement discussions are subject to creditor approval and are not guaranteed.
What This Program May Include
• Review of account status and eligibility
• Education on how settlement processes typically work
• Assistance organizing documentation when appropriate
• Guidance on understanding settlement terms if offered
Important Notes
• Settlement is not guaranteed
• Creditors determine if and when settlement is offered
• Participation does not require clients to accept any offer
Financial Coaching and Education
What This Program Is
Financial coaching and education is available to clients who want a clearer understanding of their finances and long-term planning.
Our coaches focus on education, not pressure. Clients receive guidance to help them make informed decisions and build sustainable financial habits.
What This Program May Include
• Credit utilization education
• Budgeting and cash-flow guidance
• Planning for future financial stability
• Ongoing support and accountability
Important Disclosures
United Financial Freedom does not guarantee outcomes, savings, or creditor participation.
We do not provide legal advice, tax advice, or credit repair services. All programs are educational, evaluative, and advocacy based.
Participation requires informed consent, and results vary.
Ready to Explore Your Options
If you’d like to learn more about which program may be appropriate for you, we invite you to schedule a confidential consultation.
Participation is subject to eligibility & consent.
Mon - Fri: 9:00 AM - 5:00 PM (PST) | Sat - Sun: Closed
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