In addition to our credit repair service we also provide a debt negotiation service. Sometimes debts are transferred from an original credit provider to a debt collection agency and the amount of the debt can quickly escalate without the debtor being aware. We can act as an intermediary between you and the credit provider or debt collection agency to negotiate and in some cases reduce the debt in exchange for payment. We take into account your ability to pay and liaise between the parties until we have a mutually agreeable solution. In the past, for example, we have negotiated to reduce a $34,000 debt to $22,000 and a $15,000 debt to $9,000.
In 2009 Princeville Credit Advocates was born. Before we officially began we had helped two family members who had court judgments on their credit files. One owed $8,000 to a dentist that he thought was unfair and the other owed $25,000 to the council and this was stopping him getting a business loan.
We had been searching for a business to grow that was purpose driven and improved people’s lives, so after successfully negotiating on behalf of our family members, negotiating the debts and having the judgments erased from their credit files, we knew this was the business we wanted invest our passion in.
We researched everything about the law that governed how negative information was applied to credit files and discovered there were many mistakes made in the listing process. We also realised that our family members were not alone in having issues with their credit files and that 15% of Australians were suffering with low credit scores as well.
We set about spreading the word about our service, travelling the country meeting finance professionals who regularly saw credit impaired clients and turned them away.
After years of hard work growing Princeville we can now proudly say we have a team of 10 passionate people who are ready and rearing to assist credit impaired clients, a referral network of over 1600 finance professionals Australia wide, and 5,000 credit files cleared to date.
We pride ourselves on being an understanding ear to step our often-distressed clients through the process of credit repair and to get our clients into a position where they can apply for low interest loans and move forward with their financial lives.
DR MERRILYN MANSFIELD
Princeville Credit Advocates
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