All of our clients are advised to properly demand that all credit reporting bureaus accurately reflect each settlement. We do not speculate on what your credit score will be during or after our program.

Regardless of the creditors’ use of collection activities including direct contact, creditor harassment, arbitration and/or litigation, we will continuously seek the best resolution available. However, Topaz Financial Services cannot guarantee what the client's creditors will do now or in the future until a settlement agreement has been reached, acknowledged, conveyed and accepted by all parties. Every client’s situation is unique and results may vary.

No. What our debt analysis confirms is that our clients are “insolvent.” Insolvency means that our clients are not capable of making minimum monthly payments on their unsecured debts after daily living expenses have been paid from normal sources of income.

We provide a budget analysis including a monthly drafting and savings plan which is designed to settle your unsecured debts. Topaz Financial Services utilizes an in-house professional staff knowledgeable in all aspects of the debt settlement process which provides guidance and encouragement to our clients. Finally, we employ and train experienced negotiators dedicated to resolving your debt.

Unsecured Debt - for Topaz Financial Services purposes shall be defined as any loan or other financial obligation of a client, which IS NOT secured by real or personal property and DOES NOT have a priority position with respect to other unsecured obligations of the client. Secured Debt - for Topaz Financial Services purposes shall be defined as any loan, lien or financial obligation of the client, which IS secured by real or personal property and or DOES have a priority position with respect to other unsecured obligations of the client. Topaz Financial Services additionally does not accept unsecured debt less than $500, any child support obligations, and governmental tax obligations, probation fees, fines, restitutions,most student loans, and small business administration loans as well as other unsecured debts at their sole discretion.

Past settlements are not intended to be a guarantee or indicator of future results. Individual results will vary. Previous settlements simply indicate that we have negotiated and settled with that particular creditor in the past.

Topaz Financial Services does not control client funds and we require approval from the client before any settlements are paid out.

That is possible and Topaz Financial Services will convey all such offers or responses-to-offers received from the client's creditors to the client. Our stated goal is 40% or less and we will pursue that goal on all accounts. Our experience and history indicates that most of our settlements are below 40% of the amount owed at the time of settlement and typically under 50% of the amount owed coming into our program. Based on this figure, Topaz Financial believes it will succeed in settling aggregate debt in any one client’s portfolio at or below the stated goal.

Topaz Financial Services cannot control the actions a creditor will take to collect upon past due accounts. We will provide documentary materials to identify that our clients have assigned us agency status to represent them for settlement purposes and we will attempt to negotiate settlements with their creditors and third party debt collectors.

Topaz Financial Services will advise clients on an individual basis as to whether it is necessary or appropriate to reveal causes of financial hardship to creditors. In most cases it is not necessary to relay the client’s reasons for financial hardship to negotiate with creditors.

Topaz Financial Services will convey offers, responses to offers and acceptances between the client and the client’s creditors if and when a settlement agreement is reached. Topaz Financial Services will convey offers, responses to offers and acceptances of offers between the client and the client’s creditors if and when a settlement agreement is reached.