Tired of aggressive collectors or inflated balances on your credit report?

In this episode, we’re breaking down exactly how to settle debts the right way — including collections and charge-offs — even for pennies on the dollar.

Backed by over 20 years of credit consulting experience at IMAX Credit Repair, we’ve helped thousands navigate settlements with: American Express, Midland Credit, CitiBank, Capital One, and more.

What You’ll Learn:

• The difference between charge-offs vs. collections
• Statute of limitations by state & how it gives you leverage-Settlement ranges based on debt size ($500–$20,000+)
• When and how to settle for 30% or less
• What happens if you’ve already been sued
• Which accounts can be deleted from your credit report
• A sample settlement call script that actually works
• Why you should avoid long-term payment plans
• We specialize in removing collections and negotiating lower settlements.

Schedule a free consultation: https://www.imaxcredit.com/consultation/

Got an AMEX debt hanging over your head?

You're not alone — and you’re not out of options. In this episode, we’re breaking down exactly how to settle American Express debts, backed by 20+ years of real-world experience handling AMEX through court cases, arbitration, and private settlements.

What you’ll learn:

• How to negotiate based on debt amount
• What to do if you’ve been sued by AMEX
• The truth about charge-offs vs. write-offs
• When statute of limitations gives you the upper hand
• How one client got $20,000 in AMEX debt erased
• A sample phone script that actually works
• When (and how) to fight for full deletion from your credit report

This is more than advice, it's a legal, field-tested strategy that’s worked for real clients.

Need Help With Your AMEX Account? Get a FREE consultation and find out if you qualify for settlement, deletion, or full removal.

Book here: https://www.imaxcredit.com/consultation/

In this video, we reveal exactly how we got a late payment removed from Capital One with proof, and how you can use our DSEL Method to do the same.

Goodwill letters alone won’t cut it, especially for open accounts or recent lates. The strategy shared here has been perfected over 20 years, and works when other methods don’t.

What you’ll learn:

- What is the DSEL Method? (Discover, Strategize & Execute, Escalate, Litigate)

- When and how to use a validated goodwill request

- What creditor errors and extenuating circumstances qualify

- What kind of proof you need (real examples)

- When to escalate to the CEO or file regulatory complaints

- Why most goodwill requests fail—and how to fix them

- How to get professional help—results only, no upfront fees

Remember: Late payments can stay on your report for 7 years. This video can save you thousands in interest by showing how to fight back early.