While each case is unique, Mesa Rock Financial and its assigns have used aggressive negotiation strategies to settle accounts well below our stated goal of 40%.

Mesa Rock Financial programs are designed to resolve and settle the client's debt with their creditors. Mesa Rock Financial is not a credit repair company and has no control over the credit reporting bureau.

Mesa Rock Financial prepares a program worksheet for the client to review and approve. However, Mesa Rock Financial cannot guarantee what the client's creditors will do now or in the future until a settlement agreement has been reached, acknowledged, conveyed and accepted by all parties.

Businesses, professional individuals, independent contractors and consumers experiencing a financial hardship qualify. One of our Analysts can determine whether or not your financial situation qualifies for a settlement program.

Only those associates affiliated with Mesa Rock Financial, having a specific purpose or function to the benefit and or advantage of the client, which requires access to Confidential Information of the client and or the client's creditors, will have such access.

Mesa Rock Financial subscribes to a very high business and professional code of conduct as well as a privacy policy on behalf of our clients. Prior settlement agreements for other clients with the same creditors are confidential and never made a part of an ongoing settlement negotiation.

The client's income and expenses for the necessities of life dictate the amount of funds the client has available to accumulate to settle with creditors. These settlement funds remain under the care, custody, and control of the client. Mesa Rock Financial will convey final settlement agreements to the client along with any payment conditions of a creditor, which shall be performed at the direction of the client.

No. Most businesses and consumers experiencing a financial hardship from a variety of adversities know in advance that their cash or cash flow will be insufficient to satisfy their debts.

Mesa Rock Financial can provide the client with an assessment, analysis and forecast of what might be expected if the client chooses to enroll in a Mesa Rock program to resolve, and settle their debt. Mesa Rock Financial cannot advise a client to stop paying their creditors. However, Mesa Rock will advise that their program is set up to leverage the non-payment of monthly consumer debt laden with interest and other fees against the one time lump sum settlement of the debt through negotiation.

Mesa Rock Financial, with principals having over fourteen years experience working with secured and unsecured debt, will work with you and your creditors to resolve and settle your debts based on your financial capability and not on someone else's financial model. We can also redirect most of the creditor correspondence and communications to Mesa Rock Financial for timely and proper responses.

Unsecured Debt - for Mesa Rock Financial purposes shall be defined as any loan or other financial obligation of a client, which IS NOT secured by real or personal property and DOES NOT have a priority position with respect to other unsecured obligations of the client.

Secured Debt - for Mesa Rock Financial purposes shall be defined as any loan, lien or financial obligation of the client, which IS secured by real or personal property and or DOES have a priority position with respect to other unsecured obligations of the client.

NOTE: Clients with debts having priority by statute or court order, such as taxes and judgments, may negotiate settlements with these and other creditors.

Mesa Rock Financial may, from time to time, offer redacted examples of previous settlements while keeping the identity of the client confidential.

Mesa Rock Financial can only convey to the creditor information demonstrating that a client has sufficient funds on account as provided by the client.

That is possible and Mesa Rock Financial will convey all such offers or responses-to-offers received from the client's creditors to the client. However, Mesa Rock Financial has the client's forecast from their current financial condition by which to further negotiate on behalf of the client and use that information to demonstrate the limits of what the client has to work with. The only option the creditor will have is to incur more expenses through a court action, which could force the client into bankruptcy where the creditor may end up with far less if anything at all.

Mesa Rock Financial provides the same services to the client for the duration of the Mesa Rock program regardless of the payment option selected by the client. Creditors will eventually settle, some faster than others depending on their individual policies and strategies. Some offer lower settlements for earlier payoffs fearing that the client may file bankruptcy. Other creditors hold out longer hoping for a larger settlement. Most tend to fall between the two and can therefore be forecasted within a reasonable estimate of what to expect overall.

Creditor calls will continue. This is typically the most effective way for creditors to get you to begin sending them payments once again. These calls normally occur between 30-150 days and then subside. Mesa Rock’s experienced staff will guide you with appropriate suggestions and strategies through this difficult time.

The client will provide Mesa Rock Financial with sufficient confidential information to identify and authenticate the client to the creditor in a manner providing the creditor a level of confidence that Mesa Rock Financial has established an agency relationship with the client.

Mesa Rock Financial processes each client account individually. However, Mesa Rock Financial may establish with certain creditors specific periods to negotiate several accounts in a cooperative effort to afford the creditor more favorable efficiency of its resources in a manner that does not adversely affect the client.

If the client wishes Mesa Rock Financial to inform creditors of the cause for their financial condition, Mesa Rock will review the cause and suggest to avoid the disclosure or to include it in an appropriate manner. In general, there are very few causes that creditors have not heard numerous times before.

Mesa Rock Financial will convey offers, responses to offers and acceptances between the client and the client’s creditors until a settlement agreement is reached.