With over 30 years of experience, I have the knowledge and accessibility to help people out of their financial debt situation. If you don’t know where to turn, or how to obtain the best solutions, then you can have the confidence that I will help you obtain the empowerment through debt advice.

Hear it from the people who once felt like you.

Hear from other people

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Thank You for this valuable help

(12/04/18) Thank you for everything.  All your guidance, shared knowledge, and assurance has been so greatly appreciated.  The attention you give to me and everything is priceless.

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Truly a blessing

(09/18/2018)  Michael, I am so happy! Thank you for everything and please, please, please know that I can not express enough that your help with my debts is a life changer.  I appreciate everything you've done... this is truly a blessing.  Thanks again!

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It actually worked

(08/28/16) It actually worked.  I am now in charge of my debt by being able to pay them off in full with my money.  Just about a year ago, I was not able to afford the debt and had well over $60,000.  I and my family thank you for once was a dream is now reality.

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Empowered by your great knowledge

(7/5/16) Dear Michael,

I want to thank you for everything. Before your help, I could not talk to people of authority. By following your knowledge and advice, I can speak with authorities and take better control of the overall situation. I no longer think in the same way - it is simply knowing what rights I have as a consumer and also knowing that they - the creditors - are ready to do anything that is illegal to get a few more dollars. I sleep better and feel more at ease. By the way, thanks for ridding me of these debts that are now paid off. Many thanks for all of you help.

Denver, Colorado
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(06/30/15) - Michael, I wanted to personally thank you for what you have done for my family. Prior to meeting you, our family, (grandma, mom and daughter) were torn apart from these creditors. My mother cosigned for my daughter and we have fighting over these debts for years. Since your help, we have become close and speak without stressing for the first time. You are a godsend and I am indebted to you. Thank you for giving me back my family.

Linda & Dana
Clark, New Jersey
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(10/01/14)  I want to thank you for the bottom of my heart for everything you've done for me this past year. When I was first given your phone number, I was at my wits' end. My student loan payments had just about doubled, and I had just finalized a divorce, which meant my rent and utilities all doubled, and I had to start paying for my own insurance. I was now also relying on my credit cards, which also resulted in maxing them out. I've been working my butt off already to try and stay afloat, but the increase in my loans, and lack of help and empathy from Sallie Mae were the final straws.

We had several conversations regarding your services and procedures and what to expect. No question was left unanswered, in fact, they were always encouraged so you could assure me and help me better understand everything and how everything worked. You were also always so easily always answered emails and phone calls promptly, something in his day and age that you no longer see regularly.
Of course I was somewhat doubtful.  Suddenly the harassing and obnoxious calls stopped, and months later, I am finding out my loans and credit cards will be paid off, I can finally start saving for my future, and begin to enjoy my life in a way I never had been able to before.
I cannot thank you enough. You are absolutely the bee's knees.

Brooklyn, NY
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As a business owner, I was at a point where I thought I was going to loose everything. With your help, my high debt is not controlling my life anymore. I am able to sleep again. Also thank for the free advice, it has helped me save hundreds of dollars a month.

Socastee, SC
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I wish to thank you and your company for changing my life. I was living in a very undesirable place and felt there was no end to this rut. I was able to turn it all around within six months by following your advice.

St Louis, Missouri
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It Keeps Getting Better

(12/01/18) Michael, I want to thank you for the efforts and the progress you made.  I know that we are not finished yet with the program but I wanted to let you know that I was able to get my credit report.  The account with Student Loans is listed as sold.  My credit score is listed at 730.  This is exciting knowing that I will soon be debt free and can start over.

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The next step to freedom

(11/26/18) This is a letter to a referred company.

Hello Mary.  I was referred to you by Michael.  I trust him & he's amazing getting me this far.

New York
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Thank you so much for your time and efforts

(06/30/16) Michael,  Thank you for your knowledge, I was able to get rid of my debt completely.  When I started, I found myself having a difficult time and was not sure of what to expect but now it is over with no debt and a new beginning.  All efforts were more than what I expected.  I cannot thank you enough.
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Another debt removed-Thank You

(6/27/16) Dear Michael,

I received this in the mail from one of our creditors you have been assisting us with. It is nice to see that your hard work and efforts is helping us nicely. Thank you for all you do. Susan


Dear Walter,

Thank you for your recent communication. The purpose of this letter is to advise you that Midland Credit Management Inc. (MCM), the servicer of this account on behalf of Midland Funding LLC has closed the above referenced account and will no longer be collecting on this account.

You have no further obligation regarding this account.

Based on the information provided to us, we have instructed the three credit reporting agencies to delete the above referenced account from your credit file.

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Proud new homeowners

(06/12/15)- Proud to see on Facebook today, clients that ridden themselves of their debt, actually signed a contract today for a new home.  Step 1 was to get rid of the debt.  Step 2 was to start healing and moving in a direction that was not possible before this.  Final results were a new beginning and a new home financed home.  Congratulations on their new home.


Michael and Nicole
South Carolina

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Just wanted tell you, Thank You So Much” everything you have arranged with me for debt solutions has been wonderful.   $150 a month sure beats $400 a month.  In three years, I am out of debt.  Everything is being handle the way it should be and better, it is amazing.  I am very pleased.  Just want to let you know, “Good Job”.  (voice mail message)

Pawley's Island, South Carolina
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I was in such a bad situation financial and unable to continue this path with me and my two boys.  With your help, I was able to cut my mortgage to 40% to under $500.  My credit card bills was out of hand and you helped cut my payments to one third through debt relief.  This helped me stay in my home and take care of my family.

Myrtle Beach, South Carolina

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Your support and knowledge has helped me through the hard times of a Chapter 13. I have my back on track and more hope than before. Thank you

Charolette, North Carolina
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At first I wasn’t sure if you could help me. I was receiving letters from places I was not sure of. Your great work made me a believer. Thanks for helping me.

Myrtle Beach, South Carolina
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You treat your clients like #1

(11/1/18) Email from an outside company with credit service.

I must say Michael, you are the most impressive, caring business owner I have ever spoken with in my career.

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A knowledgable, honest gem

(08/14/17)  Michael and his team have been absolutely amazing. I am now a 26-year-old college graduate living debt free. Michael was extremely transparent and always honest about the process. He is truly a gem and has a passion for his work. It is a shame that these creditors have been able to take advantage of hard working people. The knowledge that Micheal has bestowed upon me has not only helped me, but I've been able to pass along information to friends and loved ones as well.
Warm Regards,
Danielle, Montclair
New Jersey
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I'm so happy

(10/13/16)  I'm so happy! Thank you for everything and please thank all that may have helped.  I appreciate everything you've done....this is truly a blessing.  About two years later, my debts are thing of the past and I can go back to a normal life and a new beginning.

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I feel very lucky

(03/30/16) Michael, I hope you had a great St. Patrick's Day ?!

I have my debts right now in arbitration, which has been a huge RELIEF to me! Although this process has not been quick I am greatly hopeful for the end.  Meanwhile I am feeling relieved.  Also, I'm really thankful in this process even though it seems to go on and at times left me in doubt. But I want to thank you for your help in relieving me of all my debt, I feel very lucky to have been presented with this opportunity.


Phoenix, Arizona
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(06/04/15)  I'd like to take this opportunity to tell Michael Biancone 'Thank you'.  Your efforts and guidance through this process culminating in settlement of my debt has been a blessing.  When you told me the details of this process and what I would need to do, I thought 'this would never work'.  Thankfully, I was wrong and your right about everything.  Having my debt settled has lifted a great burden off my shoulders and it couldn't have happened without your help.  I've said it before and I will say it again: Thank you!  A million thank you's would still not be enough to express my gratitude.


Kissimee, Florida

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Michael, we both wanted to thank you for all the hard work you have done for us.  Since we met, a lot things have been happening.  You have save us tons of money with your advice.  We are so much further than we have ever been and things are getting easier for us.  We feel we could not have done this without you.


Greg & Theresa,
Lynchburg, Virginia
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Michael, It is an exciting time for me.  I was able to purchase a luxury new car which at one point was never thought of let alone able to accomplish it.  Thank you dearly for all your help.

Myrtle Beach, South Carolina

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Thanks for your help. My mortgage rate was dropped to 2% interest. My payment was reduced by $800 and I now can stay in my house.

Pawley's Island, South Carolina
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I visited a bank to refi my house only to be turned down. I did not know where to turn. In three months with your help, I went from 518 to 704 score. I now can continue with my future plans and become debt free. You are a saint.

Georgetown, South Carolina