Apadana Consulting, LA — Free Consultations
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Before & After
Before & After
Every credit journey starts somewhere — and for many of our clients, that starting point was overwhelming debt, missed payments, or no credit history at all. At Apadana Consulting, we specialize in turning those setbacks into structured, manageable paths forward. Through personalized strategies and hands-on support, our clients have achieved meaningful, measurable results. These stories highlight just a few of the transformations we’ve helped bring to life.
How Julio Got a Collection Removed in 45 Days
How Julio Got a Collection Removed in 45 Days
How we supported Mr. Alvarez through a collection dispute
When Mr. Alvarez received a collections notice for a gym membership he had canceled over a year prior, he was stunned to see a $640 balance reported on his credit file. The charges had accumulated from late fees and automated renewals that were never canceled by the gym. After multiple attempts to resolve the issue himself, he contacted Apadana Consulting.
We reviewed the account records, helped Mr. Alvarez file a dispute, and contacted both the creditor and credit bureaus with supporting documentation. Our team also coached him on how to respond to follow-up inquiries to ensure the issue was handled swiftly.
Results of the case
The collection was removed entirely from his credit report within 45 days. Mr. Alvarez saw his credit score rise by 58 points, and the removal cleared the way for him to qualify for a competitive auto loan rate he'd been denied just a month earlier.
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“I had no idea how much damage one unresolved mistake could do. Apadana was sharp, persistent, and thorough — they got it cleared fast and made sure I was protected moving forward.”
– Julio A.
Ms. Patel's path to avoiding collections and rebuling her credit
Ms. Patel's path to avoiding collections and rebuling her credit
How we represented Haden in this case
Ms. Patel had unknowingly racked up over $1,300 in overdraft and NSF fees after switching jobs and missing two automatic payments. By the time she noticed, three separate bank accounts were overdrawn and closed, and the debts were reported as charge-offs. The psychological stress alone was overwhelming.
Apadana Consulting stepped in to assess the damage. We negotiated reduced settlements with all three institutions and worked out payment plans that wouldn’t strain her monthly budget. We also helped her open a secured credit card and rebuild her credit profile responsibly.
Results of the case
All three accounts were marked “settled in full”, and Ms. Patel avoided further collections or legal action. Within six months, her credit score improved by 72 points, and she was able to lease her first apartment without a co-signer.
خانم احمدی چگونه توانست بدهیهای خود را مدیریت کرده و امتیاز اعتباریش را بازیابی کند
خانم احمدی چگونه توانست بدهیهای خود را مدیریت کرده و امتیاز اعتباریش را بازیابی کند
نقش آپادانا در این پرونده
خانم احمدی به دلیل هزینههای درمانی ناگهانی و بیکاری موقت، دچار بیش از ۸۰۰۰ دلار بدهی کارت اعتباری شده بود. پرداختها به تعویق افتاده بودند و سه حسابش در آستانه بسته شدن قرار داشت. فشار روانی شدید و ترس از تماسهای مکرر طلبکاران او را خسته کرده بود.
مشاوران تیم آپادانا وارد عمل شدند.ما با طلبکاران مذاکره کرده و پرداختها را به مبالغ قابلمدیریت تبدیل کردیم. همچنین، او را در گرفتن یک وام سازنده اعتبار راهنمایی کردند و برنامهای ماهانه برای بازسازی نمره اعتباریاش تدوین نمودند
نتیجه این پرونده
در کمتر از هشت ماه، دو بدهی بزرگ بهصورت کامل تسویه شد و امتیاز اعتبار خانم احمدی ۶۵ نمره افزایش یافت. او اکنون شرایط دریافت وام مسکن را دارد و دیگر احساس ناتوانی نسبت به آینده مالیاش ندارد.
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فکر میکردم هیچوقت نمیتونم از این وضعیت بیرون بیام. آپادانا فقط کمکم نکرد بدهیهامو مدیریت کنم — بهم قدرت دوبارهای داد برای شروعی تازه
– راحله احمدی
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