Debt Settlement Services

Credit Repair Specialists

 Are you considering bankruptcy?  We may be able to help you avoid bankruptcy and there is no cost to find out.


 We charge less than the big box companies.  We charge a percentage of the amount that we save you. This gives us more incentive to save you as much as possible.  Our fees are paid in monthly payments as your creditor payments are made.  
Credit repair is often used with debt settlement. So it’s not uncommon for consumers to enroll in our credit repair program and settle the debts that must be paid.

Q.  How does Kirkpatrick & Associates, LLC debt settlement work?  

A.  Consumer has a credit card, repossession, charged off account etc. The balance may be $8,000.  We will review the account for violations of The Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Depending on our findings we may attempt to remove the account from consumer’s credit report.  Otherwise, you will begin making payments into your Dedicated Account.  (we will explain this when you call us).  

Account will need to build up enough so that payments can be made monthly so that there are funds to make payment the enrolled accounts or to make 1 or more larger payments to satisfy debt.  This is a customized plan and may slightly vary from client to client.  

Our fees will be paid in monthly payments as your creditor payments are made.  We also provide a CAP on how much we charge for those larger debts.  Our goal is to treat each client fairly and assist in getting out of debt as quickly as possible all while educating and rebuilding credit.

Q.  What are your charges for debt settlement?

A.   We charge 20% of the amount that we save you.  Example: Enrolled debt is $3,000.  Settled for $2,000.  We saved you $1,000.  Our charges: $200 and can be made in payments.

There is a small one-time enrollment fee of $125.  A small monthly fee of $15.00.  We require the Legal Plan to be in place for $59 a month.  This covers 100% of attorney fees.  If your county requires filing fees, consumer is responsible for those fees.  This plan covers 2 people for as long as you have the Legal Plan in force

Q.  Will you repair my credit?

A.  Yes, when you are finished with the program we will provide credit repair services on the accounts that we settled, at no charge.  You will be required to continue your credit monitoring and the optional $15 month charge for ReScore Solutions to print and mail your letters.   

Q.  I am receiving phone calls from creditors and debt collectors.  What can I do about these calls?  I’m losing my mind.

A.  Kirkpatrick & Associates, LLC will legally stop the calls and communication.  We will direct them to direct all calls and correspondence to us.  If you receive any contact afterwards you are to contact us. 

Q.  Does your company have attorney’s working on my accounts?

A.  No.  We are not a law firm nor do we have attorneys working on your file.  We can legally negotiate your debt and coach you throughout the process without being a licensed attorney.  We are educated in laws regarding debt, collections and reporting your debts.  If we find violations we will put you in contact with an attorney in your area that specializes in this area of law.  We network with two attorneys in Birmingham.

Q.  Once your company negotiates an enrolled debt will I still have to pay you if I get sued?

A.  Yes, because we have already performed the work of negotiating the debt our charges are still owed.  But in the case of legal action and if  the creditor requires you to pay more than the amount originally settled, we will adjust our fees so that you owe us less.

Our services for debt negotiations and settlement is very customized to your debt situation. 


We will price match if any of the major big box debt negotiation, settlement companies charge less than our fees we will price match.  The price must be their regular cost for the same service at the current time that we are working on your accounts.    

Are your experiencing any of the following:                        

Collections: We use the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Telephone Consumer Protection Act.  These laws are very powerful in protecting the debtor.




Late payments

Debt negotiations:  Owe for a charge-off or repo?  We can help negotiate on your behalf.

Stop collection calls: Just what it says.  Call us if you are tired of debt collectors ringing your phone 7 days a week.  


debt collectors


Call us today! 205-352-3448 We can legally stop the phone calls and harassment.


Stop garnishments: Even after they are deducting from your check.

 Assist in building and rebuilding credit and credit scores.

Credit education.

Free,no obligation credit report evaluation.

Possibly avoid bankruptcy.



QUESTION:  How does credit repair work?  I think I could save a lot of money and do it myself.  After all, my co-worker fixed her own credit.  


Before we get started, I will preface these questions and answers by saying that I don’t do my own taxes.  Why, you may ask?  Taxes are not that difficult to learn and with all this great online programs they do just about everything for you, and yet, I don’t do my own taxes.
My accountant has apx 40 years of experience, continuing education and has a full-time job of dealing with TAXES.  While I may save myself a few $ by not hiring a professional, just missing one deduction could cost me more than I would have paid. I don’t know the laws, the latest information and I know just enough to be dangerous.
The same reason that I recommend that you hire a professional to help you out of your financial mess.  Just like accountants are not all excellent in their field, same with attorneys, hair stylists, and so on, not all credit repair specialist are special. Don’t hire someone that makes a lot of promises and tells you what you want to hear.  It takes a lot of work, and many times there may be accounts that will have to be paid.  We can direct you step by step.
So remember, if you can’t teach the class, don’t try to do the work on your own.  Hire a professional.  Credit repair is just that important.
We also have attorneys that we network with that specialize in this area of law, we have other professionals in the field all over the US that we network with for continued support and education.  We attend credit repair boot camps and seminars for the latest information available for successful credit repair.


Credit mistakes


Take care of your credit and don’t make these mistakes.

ANSWER: Sometimes people will get negative accounts and collections removed from their credit reports without any help from anyone.  


Sometimes those accounts may get reinserted at a later date once the creditor or debt collector verifies the account.  You are supposed to receive a letter from the credit reporting agency that reinserts it, but the key words are “supposed to”.  


Many times people work out their own settlements with debt collectors not realizing that they are responsible for paying income taxes on each penny that the debt collector did not collect.  Example:  You owe $10,000 for a medical bill.  Debt collector accepts $4,000 for the debt and promises never to bother you again.  WOW!  You are thrilled.  But come January you’ll receive a 1099 form showing that you have to report $6,000 extra income on your taxes.  If your tax bracket falls into a 25% bracket, you will owe $1,500 in taxes.  If you decide to take this offer, put back the extra money and be prepared.  


How does ReScore handle collections?  

We have a process of validation of all collections.  Many times this takes numerous letters to both the credit reporting agencies and the collection agencies.  We have the knowledge of the Fair Credit Reporting  Act, the Fair Collection Practices Act and the Telephone Communications Protection Act.  We use these laws to your advantage to provide the best credit repair as possible.  We are not attorney’s, but we have stayed at the Holiday Inn Express.


If in the future, a collection is reinserted with the same collection agency or original creditor, we have a plan to get these disputed at no charge to you.  After we are finished with your credit repair process you can sign up for recurring billing  of just $4.99 a month to cover any accounts or collections that are reinserted.  No Credit Audit fee and we pay all postage, certified mail fees and no cost to you for us to draft letters.  

                        REPOSSESSIONS & CHARGE-OFF’S

We review your credit reports for inaccurate, unverifiable and outdated information regarding these type of accounts.  While we have been successful many times in getting these accounts removed, many times these accounts have to be paid to get them cleared up, but we can assist you through the process working to get you the best settlement.  


Removing late payments are not always possible, but many times we have been successful.  Keep in mind that when late payments are recent,  in our experience getting them removed is most often not going to happen.   Please be careful about doing business with a company that makes promises to clear up a 100% of your negative credit.  There is no magic wand.  


We are often successful in getting public records deleted from credit reports.  We use the laws that are in place for successful deletions, but many times this can take many months.    

Do keep in mind that having public records deleted from your credit reports does not delete them from public record files at government agency that it was filed, but it does help your credit scores. Once public records are deleted, you still owe them and need to make plans to pay any outstanding liens, judgments, or Chapter 13 bankruptcies.  Please note that paying judgments and liens doesn’t get them removed from your credit reports.  They can legally leave them on your credit report as “satisfied” and note the new payment status.  


QUESTION:  I am an Authorized User on my mother’s credit card.  She lost her job and has not been able to pay and now the account has been sent to a debt collector.  They are not only calling her, but they are also calling me.  I feel that I don’t owe it but they continue to tell me that I need to pay it.  This has already been reported as a charge-off on MY credit report.  They are threatening to sue.  How can this be taken care of without me paying something that I don’t owe?

ANSWER: You are not financially responsible for the balance and can get this removed from your credit report.  Call us to find out more.  The phone calls can be legally stopped!

QUESTION:  I filed chapter 7 Bankruptcy 6 years ago and I was told that I couldn’t use my credit until the bankruptcy was deleted from my credit report.  Is this true?  

ANSWER:  No this is not true.  You can begin rebuilding your credit immediately after your bankruptcy is discharged.  Call us and we can help you rebuild your credit. 

QUESTION:  I have a garnishment from a judgment and I would like to be able to get the garnishment removed.  Can you help me?  

ANSWER:  We probably can.  Many times these can be taken care of.  Call for more information.  Each situation is different and we don’t won’t to guarantee something prior to an initial consultation. We usually refer these situations to one of our network attorneys.

 Would you be interested in a free credit report review?



Great customer service and a team that cares!

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