Financial Services

For those consumers who need help outside of debt relief, the following are some of the financial products we facilitate:


Unchain Your Credit offers personalized lending services through a select team of the most highly experienced and dedicated mortgage professionals in the industry. Powered by one of the nation’s largest mortgage companies, with leading-edge technology and access to the best loan programs and rate structures.

Some of our products are:

  • Residential Mortgage Financing
  • Equity Loans
  • Personal Loans
  • Consolidation Loans
  • Business Loans
  • Commercial RE Loans (Multi-Family, Office, Retail, Land, and Industrial)

Commercial Investment Real Estate

This industry is driven by relationships between people (brokers & clients, buyers & sellers, and renters & landlords) who demand high-quality, interpersonal interactions. We are dedicated to creating exceptional real estate experiences for our customers.

Commercial Real Estate is an asset class that investors should consider including in their investment portfolio.

Real Estate usually settles somewhere between stocks and bonds. The leases on real estate are similar to bonds, while market rents that will be received when leases renew and the expected sale price of the property in the future have a risk more like stocks.

This is somewhat of an oversimplification as individual bonds can be riskier than real estate, just as some stocks might be considered less risky. ​The main point is that investors will evaluate real estate investments within the context of other investment alternatives.

An advantage of Real Estate is that it tends to perform well during inflationary periods, stocks and bonds, not so much. So, including Real Estate will help balance out a portfolio performance during these periods.

More Advantages to​ Investing in Commercial Real Estate:

  • Transparency, something tangible that Cannot be found in stocks or bonds.
  •   Capital Preservation
  •   Income Stream
  •   Tax Shelter
  •   Hedge Against Inflation
  •   Value Appreciation
  •   Pride of Ownership


Corporate Services Investment Analysis

Market Research and Analysis


1031 Tax-Deferred Exchange

Acquisition and Disposition Services

Financial Analysis

Relocation Services

Business Brokerage

Brokerage and Transaction Management

Property Management

Valuation Services

Consulting Services


Credit Counseling and Debt Management

 which sets you up with a credit counselor who will analyze your current financial situation and provide you with budgeting help. Credit counselors can introduce you to financial resources, help you with your debt repayment strategy, and recommend a debt management program if you qualify.

Debt Management, often known as a consumer credit counseling or a credit counseling service, is a creditor-sponsored program designed to help you pay your debts back. With debt management, you are still paying everything in full with interest.

In this program, all the debts are combined into one account so that you only have to make one payment a month instead of having various payments during the month, it used to be, that in a debt management plan, the credit card companies gave large concessions in the form of very low-interest rates. However, that may no longer be the case and with the fees associated with these programs, it is possible your monthly payments will increase

With Debt Management all Credit Cards are canceled and it may be reported on the Credit Bureaus that you are working with a 3rd party to help resolve your Debt issues, also your ability to obtain new credit while in Debt Management may not be allowed.


Bankruptcy is a legal process that allows debtors relief through the discharging of their debts or creating a debt repayment plan. Bankruptcy can be considered a “last resort” option due to the length of time it can stay in your credit report. Bankruptcy has a negative impact on your credit score and some people only qualify for the Ch 13 (repayment plan in which you will be beholden to a Court) not the Ch7 (total dissolution of debt). The Bankruptcy laws were changed in 2013 and are different for each state and are now much more focused on Income & Assets and repayment ability.

Chapter 7 Bankruptcy

Individuals—and in some cases businesses, with few or no assets—typically file Chapter 7 bankruptcy. It allows them to dispose of their unsecured debts, such as credit card balances and medical bills. Those with nonexempt assets, such as family heirlooms (collections with high valuations, such as coin or stamp collections); second homes; and cash, stocks, or bonds must liquidate the property to repay some or all of their unsecured debts. A person filing Chapter 7 bankruptcy is basically selling off their assets to clear their debt. People who have no valuable assets and only exempt property—such as household goods, clothing, tools for their trades, and a personal vehicle worth up to a certain value—may end up repaying no part of their unsecured debt.

Chapter 11 Bankruptcy

Businesses often file Chapter 11 bankruptcy, the goal of which is to reorganize, remain in business, and once again become profitable. Filing Chapter 11 bankruptcy allows a company to create plans for profitability, cut costs, and find new ways to increase revenue. Their preferred stockholders, if any, may still receive payments, though common stockholders will not.

For example, a housekeeping business filing Chapter 11 bankruptcy might increase its rates slightly and offer more services to become profitable. Chapter 11 bankruptcy allows the business to continue conducting its business activities without interruption while working on a debt repayment plan under the court’s supervision. In rare cases, individuals can also file Chapter 11 bankruptcy.

Chapter 13 Bankruptcy

Individuals who make too much money to qualify for Chapter 7 bankruptcy may file under Chapter 13, also known as a wage earner’s plan. It allows individuals—as well as businesses, with consistent income—to create workable debt repayment plans. The repayment plans are commonly in installments over the course of a three- to five-year period. In exchange for repaying their creditors, the courts allow these debtors to keep all of their property, including otherwise nonexempt property.

Declaring bankruptcy can help relieve you of your legal obligation to pay your debts and save your home, business, or ability to function financially, depending on which kind of bankruptcy petition you file. But it also can lower your credit rating, making it more difficult to get a loan, mortgage, or credit card, or to buy a home or business, or rent an apartment.

Bankruptcy filings vary among states, which can lead to higher or lower filing fees, depending on the location of the filing.