Agreement to be Signed

Credit and Debt Repair
3601 SE Ocean Blvd Suite 003
Stuart, FL 34996
1.888.502.0325 Fax # 772.247.2478

This agreement between Top Credit Debt Solutions (consultant) and you _______________________________ (the client), is a legally binding agreement. Top Credit Debt Solutions agrees to provide consultation to clients wishing to improve their personal credit, finances, knowledge of their credit rights, credit identity theft, choices and options and more. For any efforts to be effective, you (the client) must be truthful and diligent in giving the correct information to repair credit and debt. Top Credit Debt Solutions reserves the right to cancel the agreement with any client it believes to be providing false or fraudulent information to us, its creditors or the credit bureaus.

Please note that we do not provide legal advice. We recommend that you consult your attorney and/or thoroughly read the Fair Credit Reporting Act or the Bill of Rights before you seek advice from one of our consultants. Top Credit Debt Solution accepts no liability, nor responsibility for any damage or loss caused by your use or misuse of the information provided.

By federal law, you must know that YOU CAN DO THE CREDIT RESTORATION PROCESS YOURSELF. YOU ALSO HAVE 3 DAYS TO CANCEL THIS AGREEMENT, which must be done in writing and will discontinue the consulting process. You can read and review The Fair Credit Reporting Act and the Credit Repair Organizations Act at or by writing the FTC.

Please note that the agreed upon charge is for one or more of the following services: Initial Consultation, Credit and Debt Repair; Credit Analysis; Researching Laws and documents; Expertise and Knowledge; Reviewing Credit Reports; Data Processing; Consulting and Education; Opting Out process; Preparing documents; the Receipt of Educational Materials and our time.

Educational/informational materials and consultation will be given to you in one or more areas of: credit – why you should have good credit and how it can benefit you; credit scoring; how to read your credit reports; how to improve your credit rating; understanding the credit bureaus and credit restoration; understanding the new Bankruptcy laws and how Bankruptcy can help or hurt you; understanding the advantages and disadvantages of using a Debt Consolidation or Credit Counseling company; stopping collection calls; validating debt – an unknown secret that Collection Agencies don’t want you to know; prioritizing debt – what will help or hurt your credit; negotiate your debt properly and for less money; how to get out of agreements if you have written a Non-Sufficient funds check; understanding all of your credit rights, options and choices; how to avoid being a victim of credit identity theft and what to do if you are a victim; establishing or reestablishing credit; credit information on current books and websites; how to respond to a civil summons if you are sued and more.

For these services above, you (the client) agree to pay a total amount of $___________.
If credit reports are needed and you can not provide them, you hereby consent to having us obtain them for you. The tri-merge credit report fee is $39/individual and $59/couple. $___________. Once a year you can apply for Free Credit Reports from all three agencies. There are also companies with free trials.

The length of this agreement is one year from its execution and all consultation must be scheduled and documents prepared during that period. If further consultation or preparation of documents is needed, an additional fee will be required of $849 for the year. We must follow all State and Federal Laws and will not deviate from them. If an item is not considered inaccurate, obsolete, misleading or duplicate, then we will not dispute the item on your credit report. If necessary, you can cancel our services at any time in writing.

Guarantee – Although we cannot guarantee by law a certain outcome, we know that by utilizing the Federal Law, the Fair Credit Reporting Act, we can assist you in getting items deleted/corrected with an overall positive outcome.

Negotiating debt – We will negotiate debt for you as you request us to with your creditors or prepare additional documents other than listed above, there will be an additional fee if an attorney is needed to work on any of the situations. The amount of this fee will be discussed with you and agreed upon in writing before the work is performed.

By signing this agreement, you (the client) agree to its conditions, agree to be truthful with your consultant, understanding that no promises have been made outside this agreement.


Client Signature                                                             Date of Birth                                      Social Security Number                             Date


Client Signature                                                            Date of Birth                                      Social Security Number                             Date


Agent Signature                                                                                                                            Date