Our Services

How can ACRO Services, LLC help free you from the stress of overwhelming debt? First, we look at your unique situation to see which coaching strategy will work best for your needs. Here is a breakdown of the options available to you without using our coaching services:

D.I.Y. - Minimum Payments

D.I.Y. - Minimum Payments

Trying to manage debt on your own by making minimum payments will keep you from encountering legal trouble, but ultimately you’ll probably pay more in interest than the actual debt.

If you are currently treading water by making minimum payments, give us a call at 1-615-432-4329 for a free consultation to find a better solution.

Bankruptcy

Bankruptcy

Two kinds – a court-approved payment plan (Chapter 13) or surrendering all your non-exempt assets to a trustee who uses it to pay back unsecured debt (Chapter 7). 70% of people that filed for bankruptcy listed credit card debt as a reason for filing.

Bankruptcy should always be your last resort for debt relief. The consequences on bankruptcy can disrupt your life for many years. 

Debt Consolidation Loans

Debt Consolidation Loans

More than 65% of people that take out a personal loan do so to try and consolidate debt. But the delinquency rate on these loans is higher than those for mortgages, car loans, or credit cards.

Debt consolidation loans can be helpful, but they are often seen as a band-aid solution rather than addressing the root of your debt problems. 

Credit Counseling

Credit Counseling

Credit counseling firms consolidate your payments into one payment to them – which is distributed to your creditors for a period of 5 years.

Credit counseling can be a viable option for people with relatively minor debt issues. 

Debt Validation

Debt Validation

Debt validation is the action of demanding that unscrupulous third-party debt collectors validate alleged debts by using consumer protection laws that many people are unaware of.

 

Do you qualify for financial coaching?

Schedule a free consultation today to find out!

Our team is standing by to answer your questions.