• No deposit or prepayment required.
• No personal information required, just a first name to sign up.
• Limited to 5 people, to ensure everyone's questions are addressed.
• Workshops are open to students and professionals too.
• Please call 559-614-7729 to reserve a seat.
• Workshop A is 1 to 2 hours long, cost $300/person and only covers the 6 options (BK, IA, CNC, FP, LIAB, OIC).
• Workshop B is 2 to 3 hours long, cost $500/person and covers the 6 options and collection issues like liens, levies, financial information, appeals, statutes, TFRP and liabilities.
• Workshops are to inform people about collection options and issues, along with answering your questions.
• Cash is due upon arrival .
• Workshops are held at 2908 Ashcroft Ave, Clovis, CA 93611.
• Individual workshops provided at $400/$600 per workshop, please call 559-614-7729 to schedule.
• Women only workshops held on the first and last Wednesday of each month.
• Workshop A is held from 9:00 am to 11:00 am and from 2:00 pm to 4:00 pm on Tuesdays and Thursdays.
• Workshop B is held from 10:00 am to 1:00 pm on Mondays, Wednesdays, Fridays and Saturdays.
• Topics to be discussed:
• - collection options (IA/OIC/CNC/BK/FP/LIAB) and terms
• - financial information and what is included
• - levies/garnishments
• - liens and options
• - withholding and estimated tax payments
• - appeals, timely vs untimely
• - statutes (collection, refund and assessment)
• - payment options
• - Trust Fund Recovery Penalty (TFRP) explained
• - types of liabilitites and how to dispute

• No deposit or prepayment required.
• No personal information required, just a first name to schedule.
• Used to discuss available options and answer your questions.
• Used to complete and review financial statements, Form 433-A, Collection Information Statement.
• Used to complete and review Offer in Compromise, Form 656.
• Used to discuss budgeting.
• Cost is $300.00 per hour, cash due upon arrival.
• Consults usually last 1 to 2 hours.
• Please call 559-614-7729 to schedule One on One.
• One on One consults are held at 2908 Ashcroft Ave, Clovis, CA 93611.
• One on One consults can be scheduled Monday through Saturday from 9:00 am to 3:00 pm, based on availability.

July Budgeting Tip:

Interest on credit cards is high, sometimes 25 to 29%, which can result in things costing 2 to 3 times the original cost. When you are trying to pay off credit cards, try not to use the credit card for additional purchases, this only hinders your efforts to pay off the credit card. If you hold off on some purchases until the credit card is paid off, then you have made progress, because the goal is to pay off the credit card each month, gaining points and not paying interest. While some interest is not avoidable, like on a mortgage or car loan, credit card interest is avoidable. By managing your purchases, try to only charge what you can afford to pay at the end of each month. Yes, that means you may have to put off a purchase for 30 or 60 days, but it is worth it knowing you are not paying any interest on it. The more you pay off the credit card in full, the more trust is built with the credit card company, then they will offer you some payment incentives, like lower interest rates or fee only payments, which you can take advantage of on emergency purchases. Make sure you get a credit card that offers cash back, so you can use the cash as you wish, either put it in your savings or buy groceries or towards a vacation fund. Credit cards can be money makers, you just have to be careful how you use them. You can do this, good luck.