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First Class Partners

  • 75 Day Credit Makeover - a representative will be assigned to your specific file in order to better assist you in the credit repair process
  • Mortgage Modification- an alteration in the current terms of your mortgage which results in lower monthly payments making staying in your home affordable.
  • Debt Negotiation- debt reduction in which the borrower and creditor agree on a reduced balance that will be regarded as payment in full
  • Tax Services- representation for individuals and businesses before the IRS in all matters involving audits, collection and appeals
Professional help is only a click away! Explore resources to help reach goals for a better financial future.
Credit Justice Services

Credit Justice Services is an organization founded and led by a group of financial experts. The President, Douglas Muir, takes on the challenge of ensuring that his team of consultants performs the duties outlined by Credit Justice Services and the Federal Government. The vision of Mr. Muir and his associates is to create a network of solutions for consumers who are experiencing unwarranted credit problems.

Mr. Muir is teamed up with a variety of experienced consultants in the areas of law, financial management, accounting, and mortgage banking. His team of experts has facilitated Credit Justice Services in becoming a valuable source of solutions for its clients.

Ayala Tax Services

Jose Ayala, a retired IRS Agent is now an Enrolled Agent which means he is licensed to practice before the IRS and can represent individuals and businesses before the IRS in all matters involving audits, collection and appeals.

His company Ayala Tax Services can also be very helpful to taxpayers who have had a house foreclosed on or sold as a Short Sale. ATS can assist with the 1099-C that the bank may issue for the forgiveness of debt on the foreclosed property. He can help those whose primary residence, investment property or second home was foreclosed where the Lender does not forgive the debt by negotiating favorable settlements.