Bad Credit
Life can throw many challenges at us, and this ultimately impacts on us all financially.
At RCR Finance we have assisted many clients who have found themselves in a situation where they didn't fit the traditional lender's guidelines through any of the following circumstances:
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business failure
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divorce
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accident
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illness
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start-up their own business and have no financial history
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home loan arrears
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listed defaults and judgements
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former bankrupcy
Examples of some typical types of clients who we have assisted in the past include:-
A concreting company owner who employed the wrong foreman resulting in claims for poor workmanship, lost customers, reduced income, unpaid creditors, home loan arrears, business overdraft and credit card excesses.
Problem solved - with our assistance, his home loan and various business debts were consolidated with a lender that appreciated his situation and assisted to get him back on track.
An accountant who suffered a long term illness resulted in heavily reduced income and a trail of unpaid bills, credit cards, council rates and loans, etc.
Problem solved - this client is now back to full health, and with our assistance, so are his finances through consolidation of all debts, plus provision of some additional funds to upgrade IT systems and supplement business cashflow.
A newly married couple who had both lost significant assets through the failure of previous marriages and who's business failed, came to us with 14 individual debts ranging from home loan arrears, multiple delinquent credit cards, unpaid business creditors and default judgements.
Problem solved - these clients are now back on track with one consolidated home loan.
An accountant with an unblemished credit history who left an employer after 13 years to start her own accounting practice was unable to secure finance as she could not provide the traditional lenders with 2 years tax returns despite having built up a large regular client base.
Problem solved - with our assistance, this client now owns 5 more investment properties.
An earthmoving contractor who's company had been placed into liquidation, with lenders having also commenced recovery action to reposses his earthmoving machinery.
Problem solved - we presented a business case to the clients lenders and held tensive negotiations to muster the lenders ongoing support through business and debt restructure. End result is that the client retained use of his machinery and was able to trade on.
A Single Mum who had separated from her husband of many years, had several credit cards and utilities significantly in default and was struggling to pay these whilst alone supporting her 2 children on child support and full time work.
Problem solved - we presented this clients case to a lender with the end result being that the client was able to consolidate her debts, keep her family home, all with one managable monthly home loan payment.
If your personal financial situation does not fit within the square of mainstream lenders, then please feel free to contact us at RCR Finance for an obligation free review to assess the likelihood of success.
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