Our Services
From strategy to settlement, Kirkland Myers provides the full spectrum of debt collection consulting — built for individuals who demand results.
Debt Recovery Strategy
A custom recovery plan built around your specific debt profile and financial goals.
Every debt situation is different. We begin with a thorough assessment of your outstanding balances, creditor relationships, and financial position — then build a targeted recovery strategy designed to maximize what you collect. Our consultants identify the most effective legal and procedural levers available to you and prioritize actions by impact.
What's Included
- Comprehensive debt portfolio assessment
- Creditor history and behavior analysis
- Prioritized recovery action plan
- Ongoing strategy refinement as circumstances evolve
Creditor Negotiation
Direct, experienced negotiation with creditors to reduce balances and resolve disputes.
Negotiating with creditors requires leverage, knowledge, and discipline. Kirkland Myers consultants engage directly on your behalf — using proven frameworks to challenge inflated balances, negotiate settlements, and resolve disputes efficiently. We know what creditors will accept and how to get there without unnecessary delay.
What's Included
- Direct creditor engagement on your behalf
- Balance reduction and settlement negotiation
- Dispute resolution and documentation
- Written agreements and confirmation of terms
Debt Dispute Services
Challenge inaccurate, invalid, or unlawful debts with a structured, documented dispute process.
Not every debt you're contacted about is valid — and even valid debts can be reported inaccurately. Kirkland Myers guides consumers through the formal dispute process, challenging debts that are incorrect, time-barred, already paid, or improperly documented. We prepare dispute letters, manage correspondence with collectors and credit bureaus, and ensure your rights under the FDCPA and FCRA are fully exercised.
What's Included
- Debt validation and verification requests
- Formal written dispute preparation and submission
- Credit bureau dispute filing (Equifax, Experian, TransUnion)
- Follow-up and escalation if disputes are ignored or denied
- Documentation of all correspondence for legal record
Compliance Guidance
Ensuring every step of the collection process adheres to FDCPA and applicable state laws.
Debt collection is heavily regulated. The Fair Debt Collection Practices Act (FDCPA) and state-level statutes impose strict rules on how creditors and collectors may operate. We guide you through your rights and obligations, identify violations that may have occurred, and ensure your own actions remain fully compliant throughout the process.
What's Included
- FDCPA rights review and violation identification
- State-specific compliance analysis
- Documentation and record-keeping guidance
- Protection from unlawful collection tactics
Consumer Advocacy
Fierce advocacy for your rights when creditors overstep or act unlawfully.
When collectors violate your rights — through harassment, false statements, or unlawful collection practices — Kirkland Myers steps in. We document violations, challenge improper conduct, and advocate aggressively for fair treatment and appropriate remedies. Consumers deserve protection, and we deliver it.
What's Included
- Identification and documentation of collector violations
- Formal dispute and challenge processes
- Advocacy for remedies and corrective action
- Ongoing monitoring of creditor conduct
Not Sure Where to Start?
Schedule a consultation and we'll assess your situation, identify the right services, and build a plan tailored to your goals.