Debt Freedom.Financial Independence.
Overcome the financial obstacles in your way with an industry-leading suite of solutions.Book an Appointment
It’s OK if you don’t know which of our solutions fit you. That’s my job. Contact me for a brief consultation.
Justin L. Cairns
Our Services and Products
A debt relief program that follows an auditing process —holding lenders, creditors, collection agencies, even the credit bureaus accountable to U.S. lending law, the C.A.R.D. Act, the C.C.P.A. Act, and the C.F.P.B. If the creditors cannot show they have followed the letter of the law, the debt cannot be collected.
A debt relief program that "assumes" the client's debt on behalf of the client. Once engaged, assumption submits a change to the terms and conditions of the debt contract. The creditors accept the change, but if they don’t adhere to the new contract, fines are imposed against the creditors. As the fines accumulate, the debt owed is offset. Assumption also incorporates debt validation and even debt settlement during the process.
A private process that can be used to address financial disputes—including debts. Similar to a trial, parties make an opening statement and present evidence to an arbitrator. Compared to traditional trials, arbitration is less formal and can usually be completed more quickly. The arbitration process may be either binding or non-binding. Most debt contracts have a clause allowing arbitration if there is a debt dispute.
Debt settlement is a negotiated agreement by which a creditor accepts less than the total amount owed to satisfy a debt legally. Settlement programs typically last 12-48 months and are highly dependent on factors such as delinquency, creditor, number of accounts, and the total amount of enrolled debt.
Federal Tax Relief
Consisting of 1) Consultation, 2) Investigation, 3) Resolution:
Experienced professionals will hear the client's tax challenges, complete a full tax investigation with the I.R.S., and report back with the options available for a solution to the owed tax debt(s).
While most people risk their retirement with the ups and downs of Wall Street, the wealthy do just the opposite. They keep it safe, liquid, and tax-free. How? Permanent life insurance is the premier instrument to protect from an unexpected tragedy and the I.R.S. MPower can show you how to protect yourself and your retirement funds. Get started now with a consultation and a personalized case design at MPower, so you can enjoy financial peace and security for years to come. Contact us to learn how!
Consultation / Coaching / Education
Credit Repair and Restoration
Our credit restoration services enhance the quality of customers' lives by maximizing their financial flexibility and creditworthiness, including the ability to make sure credit reports accurately reflect your financial responsibility. Additionally, our state-of-the-art systems educate the consumer about how finance and credit impacts a vast array of today's financial decisions. Having credit problems? Contact us to learn more!
Personalized Financial Coaching
Not exactly sure how to reach your financial goals? Unsure of what it takes to be ready for retirement? MPowering America professionals will spend an entire year working with you using our "Change Your Life" program. Check out the Change Your Life page and learn how to reach your financial goals by obtaining personalized help every month for a whole year!
Contact me to explore which type and how much life insurance is right for you and your family.
Justin L. Cairns
Together, we can find the solution that fits you.If it sounds too good to be true, we get it. That’s why we always start by answering your questions.Set an Appointment With Me Today