Testimonials
Client Testimonials
Plan B - Complete Financial Makeover
"We never thought it would happen to us – Job loss, foreclosure and spiraling debt! We had great paying jobs and a comfortable life until one day it spiraled out of control!! The credit cards, then the mortgage, the cars, utilities…everything was late. Bankruptcy was all we thought of until we met with Edgemark. They took the time to understand our situation and then presented us with a plan. We felt we had no options until that day! They designed a plan for getting our situation under control from postoponing our foreclsoure to reducing our credit card debt. Then they restructured our budget and brought immediate savings that enabled us to get current on some of our monthly necessities such as our cars. Then they helped us reduce our mortgage payment by more than half. We are on the road to recovery now and very greatful for partnering with Edgemark. Their representative was very consultative, friendly and provided us with much clarity and support. What’s great about our relationship with Edgemark is that it doesn’t end with getting our situation under control…soon, we’ll be implementing wealth building concepts. God Bless them!" – Sue H.
Debt Reduction - Debt Settlement
"I’m self employed, so prompt payment by my customers is critical to our survival! Last year I had one of my largest customers default on their payment, which caused us to get behind on most of our debt. Creditors were calling us every hour of the day. It was embarrasing and frustrating because we had never been late on our financial commitments before. We tried to explain our situation to the credit card companies, but they would not listen. Instead of working with us, the creditors increased our interest rates making our payments unaffordable?? We did not know who to turn to. I would stay up late at night trying to figure out a way to end this nightmare! We searched the internet and spoke to many different companies. We just didn’t feel comfortable with the pressure these other companies put on us to enroll after one conversation. It was refreshing to speak with Edgemark because we never felt pressured to enroll in their program. They helped us evaluate all our options and left it to us to make our decision. They shared everything about the impact of getting into a debt reflief program, so we knew what we were getting into. Nine months later our $35,000 debt was settled for less than $7,000…we saved close to $28,000!! Now were working at better structuring ourselves financially and maximizing what Edgemark calls missed savings. We are excited about our fresh start." – Cyndy C.
Foreclosure Prevention
"We were earning a six figure income until this economy hit us, and it hit us harder than we could ever have imagined! We lived month to month not knowing if we would be able to keep our home. We barely made it every month and knew we needed to do something about our situation. Once we received our letter of default, we knew we were in bad shape. We didn’t have the money to pay someone to help us, and we feared working with our lender because our past attempts had failed. We needed guidance if we were going to do this again. Edgemark offered their Self-Help Program that was a fraction of the cost of hiring a loan modification company. Their program was very comprehensive. It included completed samples for us to follow, and even had templates that became very beneficial once we started the process. We were able to stop the foreclosure and recently completed our modification cutting our interest rate down to 3%...cutting our mortgage payment in half!! We were able keep our home and now are moving to the next step – our credit card debt! Thanks to their initial review and recommendations, we’ve been able to find additional savings in our monthly budget. Between cutting our mortgage payment in half, reducing our credit card debt and finding additional savings in our monthly budget, our quality of life has changed drastically!! We’re now living on Plan B!" – Lee S.
Budget Audit - Missed Savings
"I’m very careful about how I spend my money, but like most people, the economy is having an impact on the quality of my life, not to mention my personal credit. My bonuses are less than they were a few years ago, yet my cost of living is higher. This caused me to be late a few times on some of my financial commitments. I lived month to month knowing it was a matter of time before things would get worse. The thought of a second job was the only way I could get a little breathing room. I came across Edgemark through a friend. They looked at my situation, audited my budget and due dates of my bills and immediately suggested restructuring concepts as a first step towards balancing my budget. Then they looked at certain areas of savings I never thought of and implemented what they called “missed savings” opportunities. I realized immediate savings putting some of my hard earned dollars back in my pocket!! They talked about debt reduction during our conversations and I realized I could work out arrangements to settle old debt with past creditors who were still from time to time calling me for payment. They put a plan together to finally put an end to my past – and the plan was realistic! This whole process has brought me – a balanced budget, savings, and a debt free timeframe. Thanks Edgemark!" – Catherine M.
Credit Restoration (Repair)
"I had a situation where I needed to clean up my credit so I could qualify and get a better interest rate on a loan. I worked with Edgemark based on a friend’s referral. They spent quality time analyzing my credit report, my desired timeframe and the history behind some of my credit issues, and came up with a plan. They were very professional and what I liked the best, “consultative”. I had not even enrolled in their program and they shared what they would do, how they would do it and even offered a Self-Help Program that would cost me less. I received my responses from the credit bureaus to find most of the negative credit items deleted in a short time!! It’s awesome because it motivated me to think “I’m getting close to having a clean credit file.” They are now working with some of my past collections to get those settled and implementing strategies to enhance my credit score. Finally, a clean slate!!" – Nate M.