Financial Consulting & Budget Counseling—This is your first, best option if you're having difficulty qualifying for a loan or home mortgage: Taking a financial inventory. Because we do not agree with, endorse or appreciate credit card companies that charge unreasonable rates, we suggest you try to pay off any card above 10% interest rate. Try to negotiate with your company. If unsuccessful, we offer that service and are quite successful at it.

Credit cards are the chief source of debt that becomes a life-long weight around people's neck. As an example, if you have $10,000 in credit card debt with an average rate of 20%, your average payment is roughly $265 monthly. Over 5 years, you've paid nearly $5900 in interest alone on the $10,000 you borrowed. Gettting out of that hole will require diligence and credit repair can greatly help your situation. Make an earnest attempt to reduce your DTI (debt to income) because carrying high balances in relation to your credit line is one of the largest issues that cause scores to stay low.

Credit score of 680 score and up is good to very good, 620 to 680 is average to good, and anything below 620 will create loan qualifying, a challenge. By knowing all the dynamics and laws governing credit card companies plus the Fair Credit Reporting act, we provide an invaluable consulting service, saving our clients thousands of dollars, long-term.

The key to debt management is: A.) Knowing your complete financial situation, B.) Making the permanent decision to change any situation that got you into debt then make (and stick with) a plan to live within your monthly means. (which will be tempting not to do, initially) C.) Being disciplined in areas of budgeting, as well as, changing spending habits to the point where the patterns that caused the issue(s) are now good habits. D.) If your income does not support your monthly outgo to the point where you're not only taking on water but drowning in debt, perhaps contracting Up Front to negotiate down with your credit card companies and/or mortgage lenders would be your next option. E.) If your credit card companies or mortgage lenders are unwilling to negotiate--most are getting more flexible in this financial climate--then perhaps as a last resort to gain a fresh start, a Chapter 7 may be the right decision. 

Budget counseling + Credit Card negotiations—Like most business consultants and life coaches, we focus on the immediate problem, resolving that problem and then establishing the “end of the tunnel,” scenario, which is financial freedom. We coach our clients about the pitfalls of credit card debt, over-leveraging home equity lines, addresses high-risk ventures in business vs. "calculated risks," and never to sign personal guarantees on commercial leases.

Business Funding and Private Loan Negotiations—As all Entrepreneurs know, America flouishes because of the collective efforts of small, mid-size and large businesses in a free market. Up Front has been successful in facilitating these types of fundings. Up Front's fee only applies if we secure the funding, which is paid at closing. There are never "advance fees." Be careful of those companies.

Web site Development and Marketing—All web sites include JPG's, text, Slide shows, videos and can be E-commerce equipped.

.Bronze package (1 to 5 pages) $ 500. w/$50 per hour updates
.Silver package (1 to 5 pages) $1000. w/unlimited updates
.Gold Package (5 to 10 pages) $2500. w/unlimited updates
.Platinum Package (10+ pages) $3500. w/unlimited updates. 

Tax Preparation: $100 individual, $250 business
Computer repair, virus removal, updates: $50 hourly
Personal coaching fee: $50 hourly w/2-hour minimum
Negotiating, Research, & Consulting fee: $100 hourly w/2-hour minimum
Real Estate Options Negotiating: $200 daily + expenses
Loan Broker fee*: 3% (No advance fees, paid @ closing) Loans less than 20 K, $500 flat fee.