.png)
Get to know Madison Monroe & Associates
Your trusted partner in financial recovery
Get to know Madison Monroe & Associates
Your trusted partner in financial recovery
Our Story
A Legacy of Helping Families
We are a South Florida-based team dedicated to helping you move forward without pressure or judgment. For more than 15 years, we’ve helped thousands of clients regain stability and peace of mind.
Our Journey Through the Years
2009 — Where It All Began
Madison Monroe & Associates was founded in 2009 in Fort Lauderdale, Florida with one simple goal: help people resolve overwhelming unsecured debt — including credit cards, medical bills, judgments, and personal loans — with honesty and compassion.
2010 — Expanding the Mission
In the summer of 2010, we launched our Credit Restoration Division, expanding our focus beyond debt settlement to true financial wellness. We saw that real freedom means rebuilding credit and creating new opportunity.
2011 — Relocating in Miami
By August 2011, we had outgrown our downtown Fort Lauderdale office and moved to Miami, positioning our company in the heart of South Florida. This allowed us to build one of the most diverse and talented teams in the industry, better equipped to serve clients nationwide.
2014 — Specializing Our Expertise
In 2014 we further honed in on our speciality of debt consulting and resolution by adding student loan debt consolidation to our debt settlement services. For the next 10+ years we focused-in on effectively and swiftly resolving debt for our clients by continuing to build out our debt-relief services to include pre-paid legal plans and unemployment insurance plans to our clients when needed.
Today — Serving With Care
Today, Madison Monroe & Associates supports more than 1,500 clients nationwide and has maintained an A+ BBB rating for over 10 years. But our story has always been about people, not numbers. We put care into every relationship, and every client is treated like family.
Our Story
A Legacy of Helping
We are a South Florida-based team dedicated to helping you move forward without pressure or judgment. For more than 15 years, we’ve helped thousands of clients regain stability and peace of mind.
Our Journey Through the Years
2009
Madison Monroe & Associates was founded in 2009 in Fort Lauderdale, Florida with one simple goal: help people resolve overwhelming unsecured debt — including credit cards, medical bills, judgments, and personal loans — with expertise and compassion.
Where It All Began
2010
In the summer of 2010, we launched our Credit Repair Division, expanding our focus beyond debt settlement to true financial wellness. We saw that real freedom means rebuilding credit and creating new opportunity.
Expanding the Mission
2011
By August 2011, we had outgrown our downtown Fort Lauderdale office and moved to Miami, positioning our company in the heart of South Florida. This allowed us to build one of the most diverse and talented teams in the industry, better equipped to serve clients nationwide.
Relocating in Miami
2014 — Expanding Services
For the next 10+ years we further honed in on our speciality of debt consulting and resolution by adding student loan debt consolidation, pre-paid legal plans, and unemployment insurance plans to our debt-relief and settlement services to help clients more effectively and swiftly get out of debt.
Where It All Began
Today
Today, Madison Monroe & Associates supports more than 15,000 clients nationwide and has maintained an A+ BBB rating for over 10 years. But our story has always been about people, not numbers. We put care into every relationship, and every client is treated like family.
Serving With Care
Our Values
Guiding Principles
At the core of Madison and Monroe are values that shape our approach and define our commitment to our clients:
Client-First Compensation: We only succeed when you do.
Our no-upfront-fee model means we’re financially aligned with your outcome — not your enrollment.
Long-Term Financial Freedom: We don’t just settle debt — we help you rebuild credit, create opportunity, and move forward with confidence.
Protection Through Knowledge: We use consumer protection law, credit regulations, and industry expertise to defend clients from unfair and inaccurate reporting.
Clarity in a Confusing System: We believe people deserve transparency, education, and honest expectations — not fear, pressure, or false promises.
People Over Numbers: Every account represents a real life, a real family, and a real future. We treat every client with respect, dignity, and care.
Our Values
Guiding Principles
At the core of Madison and Monroe are values that shape our approach and define our commitment to our clients:
Client-First Compensation:
We only succeed when you do. Our no-upfront-fee model means we’re financially aligned with your outcome — not your enrollment.
Long-Term Financial Freedom:
We don’t just settle debt — we help you rebuild credit, create opportunity, and move forward with confidence.
Protection Through Knowledge:
We use consumer protection law, credit regulations, and industry expertise to defend clients from unfair and inaccurate reporting.
Clarity in a Confusing System:
We believe people deserve transparency, education, and honest expectations — not fear, pressure, or false promises.
People Over Numbers:
Every account represents a real life, a real family, and a real future. We treat every client with respect, dignity, and care.
Our goal is for all our clients to achieve financial freedom,
while making sure they have a stress free experience
throughout the process.
Our goal is for all our clients to achieve financial freedom, while making sure they have a stress free experience throughout the process.
Meet Our Experts
Our reputation for delivering some of the lowest settlements in the industry is built on our people. Each expert is chosen not only for their skill, but for their dedication to supporting every client with care and integrity.
Rafael Ulloa
Chief Executive Officer
​Rafael is an experienced CEO with a demonstrated history of working in the consumer services industry, debt management and elimination as well as credit restoration. He holds an Associate's Degree in Business Administration and Management from Miami Dade College. Rafael uses his platform as CEO to help those in need through community support and outreach.
Joe Zinerco
Vice President
Joe Zinerco has been with Madison Monroe & Associates since its founding and remains deeply involved in daily operations. With a background in Business Management from Flagler University and Nova Southeastern University, he is driven by a simple belief: treat every client like family and help put people in better financial situations.
Pauline Marinho
Senior Operations Manager
Pauline Marinho is a Florida native and a graduate of Florida State University. She joined our team in 2009 and has quickly rose through the ranks due to her exceptional work ethic, intelligence, and dedication. Pauline has continued to grow with the company and now serves as Director of Operations. Outside of work, she enjoys traveling, staying active, and cheering on the Seminoles.
Our Staff
The Madison Monroe Team
Making our clients’ satisfaction and happiness a priority, we are committed to selecting only the most qualified, caring, and honest individuals to join our team. As a company that serves the public, we also invest in continual training for each member of our team to ensure we consistently deliver the best service and experience for our clients.
Rafael Ulloa
Chief Executive Officer
​Rafael is an experienced CEO with a demonstrated history of working in the consumer services industry, debt management and elimination as well as credit restoration. He holds an Associate's Degree in Business Administration and Management from Miami Dade College. Rafael uses his platform as CEO to help those in need through community support and outreach.
Joe Zinerco
Vice President
Joe Zinerco has been with Madison Monroe & Associates since its founding and remains deeply involved in daily operations. With a background in Business Management from Flagler University and Nova Southeastern University, he is driven by a simple belief: treat every client like family and help put people in better financial situations.
Pauline Marinho
Senior Opperations Manager
Pauline Marinho is a Florida native and a graduate of Florida State University. She joined our team in 2009 and has quickly rose through the ranks due to her exceptional work ethic, intelligence, and dedication. Pauline has continued to grow with the company and now serves as Director of Operations. Outside of work, she enjoys traveling, staying active, and cheering on the Seminoles.
Our Staff
The Madison Monroe Team
Making our clients’ satisfaction and happiness a priority, we are committed to selecting only the most qualified, caring, and honest individuals to join our team. As a company that serves the public, we also invest in continual training for each member of our team to ensure we consistently deliver the best service and experience for our clients.
Our People
Meet the Experts
Our reputation for delivering some of the lowest settlements in the industry is built on our people. Each expert is chosen not only for their skill, but for their dedication to supporting every client with care and integrity.
- Brennen
Personalized, Reliable Support
"I began working with Madison Monroe & Associates to resolve my debt quickly and found their support far exceeded other programs I considered. Ms. Catherine provided clear guidance and reassured me that this was the right fit for my situation. I have been extremely satisfied with my decision."
- Shannon
Stress Relief You Can Trust
"Being in debt was overwhelming, but Madison & Monroe immediately eased that stress. It was reassuring to know that collection letters and legal notices were handled in my best interest. Choosing this company was one of the best decisions I’ve made."
- Linda
Professional and Reassuring
"Madison & Monroe provided exceptional professionalism, expertise, and personal attention throughout my experience. They handled all communication with my creditors and truly put my mind at ease. I highly recommend their services."
- Belkis
Compassionate, Responsive Service
I am very satisfied with the service I received from Madison & Monroe. Their team consistently demonstrated professionalism, kindness, and a genuine desire to help. Maria and Alicia were especially supportive and responsive.ead our company towards a successful future.”
- Mary
Clear Process, Real Results
"Madison & Monroe clearly explained every step of the process before I enrolled. They worked with me to create an affordable monthly payment and were always quick to respond to questions. Thanks to their support, I am now debt-free."
- Ruth
Support When It Matters
"The team at Madison & Monroe was incredibly helpful and supportive throughout my debt relief journey. They answered all of my questions and were always available when I needed assistance. I would gladly recommend them to anyone seeking help with debt."
Reviews
What Our Clients Are Saying
Hear directly from clients about their experiences and the results they achieved. Real stories from people we’ve helped navigate debt, credit, and financial recovery.
FAQs
Commonly Asked Questions
Clear answers about debt relief, debt settlement, and what to expect — with no upfront fees and no obligation.
Yes — there are absolutely no upfront fees.
We only earn a fee after we successfully settle your debt and save you money. Your monthly payments go into a dedicated FDIC-insured escrow account in your name, not to us. If we don’t deliver results, we don’t get paid.
Debt settlement is a strategy that helps you resolve debt for less than the full balance owed. Instead of making minimum payments, you build savings in a dedicated account. We then negotiate directly with creditors to reach settlements that reduce your total debt.
For many people, yes — debt settlement offers a more flexible, recovery-focused path forward. Unlike bankruptcy, debt settlement is handled privately, without court involvement, has a shorter-term impact on credit, and allows you to resolve debt faster and regain financial stability sooner.
Most clients settle debts for 40–60% of the original balance.
Results vary based on your situation, creditors, and available savings, but our goal is always to maximize your savings and shorten the time it takes to become debt-free.
Most clients begin seeing settlements within the first 3–6 months, which often helps reduce or stop collection calls early in the process.
​
The full program typically takes 18–42 months to complete — far faster than making minimum payments, which can take decades and cost significantly more in interest.
Still have questions or want to learn more?
FAQs
Commonly Asked Questions
Clear answers about debt relief, debt settlement, and what to expect — with no upfront fees and no obligation.
Yes — there are absolutely no upfront fees.
We only earn a fee after we successfully settle your debt and save you money. Your monthly payments go into a dedicated FDIC-insured escrow account in your name, not to us. If we don’t deliver results, we don’t get paid.
Debt settlement is a strategy that helps you resolve debt for less than the full balance owed. Instead of making minimum payments, you build savings in a dedicated account. We then negotiate directly with creditors to reach settlements that reduce your total debt.
For many people, yes — debt settlement offers a more flexible, recovery-focused path forward. Unlike bankruptcy, debt settlement is handled privately, without court involvement, has a shorter-term impact on credit, and allows you to resolve debt faster and regain financial stability sooner.
Most clients settle debts for 40–60% of the original balance.
Results vary based on your situation, creditors, and available savings, but our goal is always to maximize your savings and shorten the time it takes to become debt-free.
Most clients begin seeing settlements within the first 3–6 months, which often helps reduce or stop collection calls early in the process.
​
The full program typically takes 18–42 months to complete — far faster than making minimum payments, which can take decades and cost significantly more in interest.