- Major Credit Cards
- Department Store Cards Including Furniture
- Gas Cards
- Bank Loans from Prior Banks
- Installment Loans
- Finance Companies
- Unsecured Personal Loans (American General, CitiFinancial)
- Repossession Deficiency Balances
- Cash Advances and Balance Transfers-May require 3 payments by client depending on amount of the advance vs. amount of debt
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- Bank, Overdraft, and Associated Fees (have to have a statement and be with a collection agency)
- Medical Debt (with disclaimer)
- Credit Unions (with disclaimer) whose members are not Federal or Military employees
- Authorized User (with disclaimer)
- Veterinarian Bills over $500 (require disclaimer)
- Abandoned Time Shares
- Litigation Accounts only if 6 mos. Or Older
- Back Rent (if not current residence)
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