"Thru 2017, Madison, Monroe & Associates has successfully settled over $65 million dollars worth of unsecured debt, resulting in a savings of $34,541,271.00 to our clients"
"Thru 2017, Madison, Monroe & Associates has successfully settled over $65 million dollars worth of unsecured debt, resulting in a savings of $34,541,271.00 to our clients"
With the highest level of education, technology and software’s at our finger tips we have all the resources in place to get you out of debt.
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With a wide range of services and experts highly skilled and trained in each category and having extensive knowledge and work experience, we have all the tools in place to get you back on the path to financial freedom.
Let us jump start your new path to a debt free lifestyle.
Financial Freedom Starts here!
If you are looking to get out of Debt you have come to the right site.
With our team of professional debt arbitrators working on your behalf with your creditors, collection companies and/or law firms we will put an end to those harassing phone calls and get you that favorable settlement that you always dreamed of and most importantly, that you can afford.
We have a proven track record and reputation with all the major banks and collection agencies do to our high volume of monthly negotiations, history in the business and our A+ Rating with the Better Business Bureau.
Student Loan debt has surpassed Credit Card Debt in America and is now the second largest source of personal indebtedness. Millions of American's graduate college but do not make the amount of money they need right away.
Are you tired of managing multiple federal student loan payments with multiple interest rates or multiple servicers?
With programs like the new Income Based Repayment or Pay As You Earn we can help you lower your Student Loan Payments right away to give you some breathing room until your income grows to a more desirable amount.
Have you been turned down for a new credit card or a car loan lately?
It happens to all of us, but we have the solution for you! Our program is uniquely capable of helping you become lender-ready in the most efficient manner.
Our in house credit repair experts have been removing negative items from all 3 major credit bureaus on a daily basis for years.
Your credit scores matter!
When we review your report we will pinpoint specific actions you can take to clean up the errors on your credit report and optimize your scores.
If you are looking to start a new business or need additional funding for your existing business, we have a loan for you.
Borrow between $80,000-$150,000 with an exclusive Credit Score Driven program. No Income Docs Required, unsecured, no collateral needed, funding in 14 days.
When Banks say No, We say Yes.
Medical debt is certainly more stressful and emotionally draining than other types of debts because it almost never adds up by choice.
Medical debt is most often a product of unforeseen illness or an accident. It can add up quickly and unexpectedly, adding stress to the existing health issues.
We are here to help you understand medical debt and how to deal with the bills you can’t afford.
If you owe the IRS money, there are some important factors to keep in mind. The IRS is like any other "lender" ‐ they are interested in collecting what they can, when they can.
The IRS Fresh Start program makes it easier for taxpayers to pay back taxes and avoid tax liens. Even small business taxpayers may benefit from Fresh Start. Alternately, you may be eligible for an offer in compromise.
Madison Monroe & Associates was founded in September 2009 in Fort Lauderdale, Florida. It began offering its clients the opportunity to settle their outstanding unsecured debts, including but not limited to: all credit cards, gas cards, retail store cards, repossessions, judgments, medical bills and unsecured personal loans. In the summer of 2010 we introduced our Credit Repair Division as the company started to shift its mentality and wanted to be able to offer its clients more options when it came to their credit card debt and credit score which go hand in hand. The better your credit score and rating the more credit cards you can apply for and get approved for. We wanted to make sure that once our clients completed our program they would have no problem establishing new credit, purchasing a new vehicle or even buying that dream home.
In August 2011 we had outgrown the 4 offices that we were occupying in downtown Fort Lauderdale, we decided to make the move to Miami which was about 20 miles further South to be more centralized and near South Florida’s three major highways the I95, Florida’s turnpike and the Palmetto also known as the 826. They are all within a half a mile of our office. Our office is a little over 3,000 sq feet located on the 2nd floor Suite 206 of the NR Park Commercial Building.
In January 2014 we went ahead and added another product that we felt would vastly improve our stature as an A+ company in America , we added Student Loan Consolidation. In 2015 Student Loan debt surpassed Credit Card debt and became the second largest source of personal indebtedness in this country, something that we found to be unacceptable and decided to do something about it.
We have over 1,000 active clients in our programs and are extremely proud to be able to state that we have an A+ rating with the Better Business Bureau and only 3 complaints in the last three years. That is something that makes us extremely proud of the hard work, attention and dedication that we give our clients, especially knowing that we service nationwide and allot of our clients are from out of state.
Ultimately our only goal is to be able to get out clients out of debt and to make sure they have a pleasant experience throughout the process. If our clients are happy, then we are happy and that becomes priceless.
One of the main reasons for our success is not only our determination to provide you with some of the lowest settlements in the industry but also our dedication in making sure that only caring and competent people are chosen to work for us. Being a company that services the public we take pride in offering continual training to each member of our team in order to provide the best services available.
Debt Settlement is the fastest and least expensive way to get out of debt and improve credit worthiness without filing bankruptcy. Also known as debt negotiation, debt settlement is not a credit counseling service or a consolidation loan; it is an ambitious approach to debt reduction for those experiencing an overload in debt and who have considered bankruptcy as an option. This practice however, is difficult to handle on your own.
Over the years, our arbitrators have established relationships with the many creditors in order to simplify this process. We work diligently with your creditors to reduce your unsecured debt balances down as much as 40-60% by arbitrating an agreed settlement. Any debt settlement program will have an adverse effect on your credit during the term of the program. This may affect your ability to apply for new credit while your accounts are being settled. Once the debt has been paid off through a settlement program, a client is then free to rebuild a solid credit profile without holding the burden of any outstanding debt.
Our negotiation process has been tested and developed over years of experience by our team of professional arbitrators. Our arbitrators are highly skilled and trained in each of their fields of expertise whether its credit cards, personal loans or car repossessions. Through their established relationships with the creditors and financial institutions, we are able to successfully negotiate the debts of our clients at a substantial discount. We continually develop our relationships with creditors, collection agencies and law firms throughout the country, and we always maintain a very professional and cooperative relationship with them in order to reach the most favorable settlement offer for our clients.
We work directly, and 100% for you.
We have a 30 day Refund Policy. If you are not completely satisfied with our services, we will refund you your money.
Cancellation Policy: You may cancel at any time without penalty, simply contact our customer service department (877) 605-3167 and they will walk you through the process.
One of the main reasons for our success is not only our determination to provide you with some of the lowest settlements in the industry but also our dedication in making sure that only caring and competent people are chosen to work for us.
Rafael is an experienced Chief Executive Officer with a demonstrated history of working in the consumer services industry, skilled in Debt Management, Debt Elimination, Debt Restructuring and Credit Restoration.
Rafael is a strong business development professional with an Associate's Degree focused in Business Administration and Management from Miami Dade College.
Rafael has used his platform as CEO to help those less fortunate from providing basic living essentials to even help with home, auto and bike repairs.
Joe Zinerco has been with the company since its conception and continues to be heavily involved in day to day operations.
Prior to joining Madison, Monroe & Associates, Mr. Zinerco studied Business Management at Flagler University and then continued his education at Nova Southeastern University while playing collegiate baseball. After joining Madison, Monroe & Associates, Mr. Zinerco believes in putting people in better situations and follows the motto of treating every client like they are his family.
Naomi is a native of Florida and a graduate of Florida State University where she received her Bachelor's Degree. She joined our team in 2009 as an assistant to the Director of Sales.
Within a year she was promoted to Client Services Manager due to her exceptional work ethic, smarts and dedication. She has continued to grow with our company and is currently the Director of Operations.
In her free time she enjoys traveling, staying active and cheering on the Seminoles.
Madison and Monroe employees are committed to educating the general public, and in particular each of our clients, in order to help people learn to live a debt free life.
We strive to give the highest quality of assistance in understanding your situation and options open to you. We offer debt management programs, also known as Debt Settlement for individuals and families looking to accomplish their goals of financial freedom.
In a debt settlement program, you stop paying your creditors altogether, and save the monthly payments you were making in a savings account. Once you have saved sufficient funds, the company will contact your creditor, and negotiate a lump sum payoff of your debt, often for a significantly reduced amount.
"I initially thought they were not for real but guess what I was wrong. Everyone on the team is great and they are doing an awesome job"
"Working with Madison Monroe & Associates has gone as smoothly and with no surprises. Alicia has been amazing. She has kept me informed during the process and has always been prompt responding to my inquiries. I would not want to go through this again but I have no reservations recommending their services."
"Wonderful caring people, patient, honest, and personable. Customer service was outstanding, when they told you they were going to do something they performed. Highly recommend their service."
"Thank you to Madison M. and Associates! I am enrolled in the Student loans/Credit Repair program and my credit score has raised over 100 points in just a few months! I am just about ready to purchase a new home thanks to this company!"
"We are happy to say that Madison & Monroe are THE BEST!!! When it comes to working with a group of people exemplifying excellent service. We will be referring family and friends that needs their services! TWO THUMBS UP!!!! You would be happy to deal with a group of professionals!!! They were always on time dealing with the creditors and we are really pleased that extend themselves to offer us credit repair services with all the credit bureaus."
"This is a great company to help you settle your debt and keep your head above water! They helped me tremendously, and still continue to help with keeping me on the right track! THANK YOU!"
"A huge thank you to Madison Monroe and Associates and Keisha H. for helping me get on track with my credit. I am on the right path now to become a home owner thanks to your credit repair service."
"Madison Monroe & Associates took me by the hand & walked me through the roughest time in my life. My debt counselor made me feel at ease. Thank you Madison Monroe & Associates for all that you have done."
"Madison and Monroe and Associates is first rate, they took the time to answer all my questions and concerns and believe me it was. They assured me, that they were up go the task, in making me debt free and they did."
"Ultimately our only goal is to be able to get out clients out of debt and to make sure they have a pleasant experience throughout the process. If our clients are happy, then we are happy and that becomes priceless."
In 2016, the U.S. Department of Education acknowledged that Americans owe over $1.3 trillion dollars of student loan debt with the average person graduating with a balance of $37,172 in debt. In fact, student loan debt has tripled in the last decade thus surpassing credit card and auto loans as the 2nd largest debt owed in the United States. If Americans need help paying off their debt or better yet, paying it off more efficiently, where do they turn?
Thankfully, Madison, Monroe & Associates specializes in student loan consolidation and more specifically, Direct Loan Consolidation programs that work in conjunction with the U.S. Department of Education. There are many programs that can help individuals pay back less than what they owe, drastically reduce their monthly payments and even legally forgive their loans altogether.
We would first provide our clients with a risk free proposal on how we can consolidate all of a client's federal student loans into one low payment. This initial consolidation will increase a client's credit score since current loans will be paid off by the Department of Education. Once the loans are consolidated, it is Madison, Monroe & Associates specialty to find the right program that benefits our clients the most. In fact, in over 83% of our consolidations, we were able to lower our client's monthly payments to less than $10.00 per month. The problem is that many Americans are not informed of these income driven programs that take into consideration your overall family size and household income. Loan servicers typically do not inform clients of these programs as that will drastically reduce a client's payment contribution to them directly. In addition, we are very successful in assisting clients to have their loans completely forgiven if they are disabled or receiving disability.
What should you do?
If you owe over $3,000 in student loan debt, contact us and with a few, non personal questions, we can provide an instant free proposal. These programs are not credit score dependent allowing everyone to qualify for these forgiveness and reduction programs with the Department of Education. Since Madison, Monroe & Associates is not the company servicing your debt; our only interest is achieving the lowest possible payment for our clients.
Everyone that lives in this country knows how important having good credit is, whether it's to buy that dream house you always wanted, a new car to get around, get approved for credit cards and loans or even applying for a good job, a lot of big name companies and government agency's require employees to have good credit now a days.
This is precisely where we come in. We're here to help you achieve your optimal credit profile. We work with the credit bureaus and your creditors to resolve issues on your credit reports. We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized. We've studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you. Our programs are based upon extensive research of consumer credit laws, credit bureau tactics and persistence for our clients.
Our programs are 100% legal. We've helped thousands of Americans correct their credit profiles and counting.
Here at Madison Monroe & Associates we've effectively disputed every kind of problem a credit report can have and we're waiting to help you now. Let us show you the difference we can make for your credit today.
We make credit repair fast, easy and effective for our clients. When it comes to choosing a company that handles any aspect of your finances the first criteria that you look for is "trust". Madison Monroe & Associates was conceptualized by leading financial managers in the mortgage, debt settlement, and credit repair industries. Weathering the storms of adverse financial climates has caused us to sharpen our expertise and tools to now assist you in gaining another level of financial freedom for your household.
Madison Monroe & Associates takes our shared values and provides a secure, technologically advanced, and a solid relationship based approach to handling your private financial matters. The attorneys, arbitrators and client services staff collectively have over fifty years of experience, based in credit card law, and close working relationships with the creditors that you have been dealing with.
We are Simple, Powerful, Affordable and Necessary.
RegisterDebt Settlement is the fastest and least expensive way to get out of debt and improve your credit worthiness. Also known as debt negotiation, debt settlement is not a credit counseling service or a consolidation loan; it is an ambitious approach to debt reduction for those experiencing an overload in unsecured debt and looking for the cheapest and fastest alternative available to them.
You are not alone when you find yourself way over your head in debt, it happens all the time to hard working families all over the United States day in and day out, but we are here to help alleviate some of that stress with our turn key debt settlement operation.
Over the years, our arbitrators have established relationships with many banks, creditors, collection companies and law firms in order to simplify this process. We work diligently with your creditors to reduce your unsecured debt balances down as much as 40-60% by arbitrating an agreed settlement.
Our negotiation process has been tested and developed over years of experience by our team of professional arbitrators they are highly skilled and trained in each of their fields of expertise whether its credit cards, personal loans, medical bills, department store cards, gas cards or car repossessions.
Through their established relationships with the creditors and financial institutions, we are able to successfully negotiate the debts of our clients at a substantial discount.
We continually develop our relationships with creditors, collection agencies and law firms throughout the country, and we always maintain a very professional and cooperative relationship with them in order to reach the most favorable settlement offer for our clients.
We work directly, and 100% for you.
We have a 30 day Refund Policy. If you are not completely satisfied with our services, we will refund you your money.
Cancellation Policy: You may cancel at any time without penalty, simply contact our customer service department (877) 605-3167 and they will walk you through the process.
Madison Monroe & Associates is here to help you when you are struggling with debt. We will negotiate with your creditors on your behalf and work towards getting a significant reduction of your outstanding balances and getting your stress free life back. Contact us to see if we can help you too.
1111 Park Centre Blvd. Suite 206,
Miami Gardens, FL 33169
