Recovery path
A process-led map from paperwork to a repayment sequence you can follow between sessions.
Financial recovery planning here means turning scattered balances into one ordered list with dates, not selling a single financial product. We work from your actual statements—store cards, informal family loans, overdue invoices—and mark which items carry legal deadlines versus negotiable grace periods.
When income wobbles month to month, we build a floor budget first: rent, utilities, school fees, and medicines stay funded before optional debt acceleration. Anything above that floor becomes the pool for structured repayment, documented so co-borrowers see the same numbers.
Creditor calls and demand letters are stressful; our role is to prepare your figures and talking points before you dial, not to speak on the phone for you. If a situation needs licensed legal representation or court-supervised restructuring, we flag it during intake rather than stretching a planning engagement beyond its limits.
Document intake
You share statements and income proof; we return a gap list within agreed timelines before deeper analysis.
Cashflow floor
We set non-negotiable living costs and legal minimums, then see what remains for accelerated repayment.
Written recovery map
You receive a plain-language plan with payment order, review dates, and triggers for calling professional legal help.
