Thrive Gold Membership
Safe, Smart Banking & Wage Protection
STOP creditors and collectors from taking money out of your bank account, and PREVENT wage garnishments! 
Smart Banking: As part of this membership, we help all of our Thrive Platinum Members set up their own Settlement Trust. The Settlement Trust is a special purpose trust written for the sole purpose of clearing funds in a bank account in order to legally avoid attachments (levies) from any creditor. 

This is not only for people with debt issues! It’s a safer, more mature way to do your families banking. We recommend that anyone who wants to have more control over their family’s finances set up their accounts this way. 

Wage Protection: If you have debt issues and receive W2 or W4 wages, your wages may be in danger of garnishment! We have a method to secure your wages from potential garnishment.

NOTE: Two Groups that are Exempt from Garnishment
We don't want you to pay for anything you don't need! Two groups are except from wage garnishment. First, if you are a resident of Texas, Pennsylvania, North Carolina or South Carolina, your wages cannot be garnished. Second, Pension payments are except from garnishment. If either of these apply to you, you should consider the Thrive Basic Membership.  

The importance of Answering your Creditors . . . the RIGHT WAY!
As part of your membership, we will prepare carefully constructed responses for creditors and collectors who contact you by mail.  

The purpose of disputing a debt collection letter and requesting validation is to preserve the objection and any claims that can be made within a year following.  Each dispute letter can be used to remove related items on your credit file and make claims under state and federal law.  It's also a means to open the discussion with the question of whether or not your account information was obtained legally (if it's not ID theft, for example). 
Potential Additional Costs
Some clients may require further protection not covered in this membership. We will address this on a case by case basis based on the information you provide in your Risk Assessment Tool. 

Members are asked to open an account with Equifax (please wait for specific instructions) and occasionally purchase additional reports as needed to check progress. 

PLEASE NOTE: Credit repair assistance is not included in the Thrive Gold Membership. See the Platinum Membership.
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