Happy Endings
To Bad Credit

Happy endings to bad credit

About Us

Two Point Zero is a consumer advocacy and debt relief agency whose focus revolves around one core value – helping our clients live a debt-free and financially independent life. We’ve helped thousands of customers resolve issues related to consumer debt, credit, fraud, and business & corporate law.

We’ll take up your cause and advocate for you on a 100% contingency basis. We don’t make a single penny unless we save you money by reducing your debt or winning you a settlement.

Facts, at a glance

When it comes to debt and faulty credit in America, you are not alone. Consider that:

  • The average American has over $6,000 in credit card debt.
  • There are over 30 million Americans with debt in collection or subject to collection.
  • 1 in 15 consumers is a victim of identity theft, and that number is rising.
Happy endings to bad credit

Our Services

Consumer Protection & Debt Assistance

Consumer Protection & Debt Assistance

Do you have a bill in collections? Are you a victim of identity theft, mistaken identity or credit fraud? We help victims of identity theft reclaim their lives and resolve fraudulently obtained credit cards, loans, and payments. We can help correct errors to accounts, and close accounts already paid or past the 7-year statute of limitations.

Consumer Protection & Debt Assistance

Debt Collection Harassment Defense

Is your phone ringing off the hook, even after requesting an end to the calls? You may be entitled to compensation according to laws passed by Congress. When debt collectors deliberately violate FDCPA laws, we hold them accountable. Resolve Debt Collection, Harassment/Abuse, False/Misleading Information, and Unfair Practices.

Consumer Protection & Debt Assistance

Credit Repair

Every financial situation is unique, and no single solution is right for everybody. From recent debt struggles to longtime hardships, we’ll tailor an individualized action plan that works for your needs – and your budget. Services include Debt Consolidation, Debt Management, Debt Validation, Debt Settlement, and Bankruptcy.

Happy endings to bad credit

Have a beer... We have your back.

Get In Touch

We’re here to help. Write us your concerns and we’ll get back to you as soon as possible.

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Happy endings to bad credit