SCHEDULE OF SERVICES
Cervantes Settlements LLC
1. Overview & Operating Model
Cervantes Settlements LLC provides professional debt settlement, credit advisory, debt negotiation, and financial restructuring guidance. All services are initiated via online client inquiries, followed by direct communication with a dedicated financial and settlement consultant and formal execution of a Client Consultation & Settlement Agreement.
2. Core Services Offered
Debt Settlement & Creditor Negotiation: Professional evaluation and direct negotiation with creditors, lenders, and collection agencies to negotiate lump-sum or structured settlements for outstanding unsecured liabilities at reduced amounts.
Credit Consulting & Advisory Services: Comprehensive reviews of consumer credit profiles, credit report analysis, education on credit scoring factors, and strategic guidance on maintaining financial awareness and navigating credit standing during and after the debt resolution process.
Debt Resolution Strategy & Planning: Professional evaluation of unsecured liabilities, multi-debt portfolios, and monthly cash flow to formulate structured debt settlement strategies, dedicated savings schedules, and customized financial recovery roadmaps.
Creditor Communication & Representation Guidance: Structured assistance in managing incoming creditor communications, guiding clients on official correspondence, and facilitating verified debt documentation requests with creditors and collection agencies.
Credit Coaching & Financial Rehabilitation: One-on-one educational coaching designed to help clients rebuild credit standing post-settlement, understand credit utilization, manage new tradelines, and build sustainable long-term financial habits.
3. Fulfillment & Compliance Workflow
Consultant Engagement: Financial data, debt documentation, and personal evaluation details are handled exclusively via a dedicated settlement consultant who contacts the client directly after responding to an online inquiry.
Third-Party Verification & Authorization: Information is shared with third parties solely for debt verification, balance confirmation, and proving the accuracy of account details provided. This includes contacting financial institutions, original creditors, collection agencies, credit bureaus, legal representatives, and third-party escrow or payment processing administrators as authorized.
Billing & Fee Structure: Services are billed transparently under executed consultation and settlement agreements in full compliance with applicable federal regulations (including FTC Telemarketing Sales Rule guidelines) and state standards, in accordance with our established Refund Policy and fee schedules.
