# McKenzie Adams

> Consumer financial services: debt relief priced on savings, credit health,
> business credit building and mortgage preparation. Every price published;
> nothing purchasable requires a phone call. US company, HQ San Diego, CA.
> Phone (888) 810-2897 (Mon-Fri 6am-6pm PT; AI receptionist answers 24/7).

Key facts:
- Debt Relief fee: 25% of the amount SAVED (not of enrolled debt); 15% in Illinois (statutory cap, 225 ILCS 429/125). No advance fees (16 C.F.R. §310.4). Minimum enrolled debt $7,500. Programmes 24-48 months. Not offered in NY, NJ, NC, GA, OH.
- Credit Health (credit repair on ScoreGuard): Audit $29/mo, Repair $69/mo, VIP $119/mo, Concierge $179/mo (+$59/mo couples). No setup fee; 90-day no-removal refund; 3-business-day cancellation (CROA).
- Business Care: free tier (permanent, no card); Formation $0 + state fee; Foundation $1,497 one-time or 3x$499; Builder $249/mo; Funding Ready $449/mo; Entity Care $348/yr per state from year 2.
- AI Receptionist (Neria): Free 10 calls/mo; $19-$1,599/mo up to 2,000 calls; Enterprise custom. Inbound-only by default (TCPA).
- Mortgage Preparation: $2,999 total, billed as three monthly progress payments after each month's work is delivered — never at signup. 90-day programme, no credit pull to start.
- Loan modification: $1,495 or one month's principal & interest, whichever is less; charged only after servicer's written offer is accepted (MARS Rule). Not offered in California.
- ScoreGuard white-label for operators: $197/$497/$997 monthly; $1,970/$4,970/$9,970 annual.
- Google reviews: 5.0 across 32 reviews.

## Services
- [Debt Relief](https://mckenzieadams.net/debt-relief): fee model, worked example, eligibility
- [Free bankruptcy assessment](https://mckenzieadams.net/debt-relief/bankruptcy-assessment)
- [1099-C insolvency filing](https://mckenzieadams.net/debt-relief/tax-1099c): $399/tax year
- [Credit Health](https://mckenzieadams.net/credit-health): four plans, statute-based disputes
- [Business Care](https://mckenzieadams.net/business-care): formation through funding-ready
- [Entity Care](https://mckenzieadams.net/business-care/entity-care)
- [AI Receptionist](https://mckenzieadams.net/business-care/ai-receptionist)
- [Mortgage Preparation](https://mckenzieadams.net/mortgage-preparation)
- [Loan modification](https://mckenzieadams.net/mortgage-preparation/loan-modification)
- [All pricing](https://mckenzieadams.net/pricing)
- [State availability](https://mckenzieadams.net/state-availability): what's lawful where
- [For operators](https://mckenzieadams.net/for-operators)

## Guides
- [Debt Settlement vs Bankruptcy: How to Actually Choose](https://mckenzieadams.net/resources/debt-settlement-vs-bankruptcy)
- [What Debt Settlement Actually Does to Your Credit](https://mckenzieadams.net/resources/what-debt-settlement-does-to-your-credit)
- [Will I Owe Tax on Forgiven Debt? The 1099-C, Explained](https://mckenzieadams.net/resources/taxes-on-forgiven-debt-1099c)
- [How Business Credit Actually Gets Built](https://mckenzieadams.net/resources/how-business-credit-actually-gets-built)
- [What Lenders Check Before They Ever Pull Your Credit](https://mckenzieadams.net/resources/what-lenders-check-before-your-credit-file)
- [Do I Need a Registered Agent? (Yes — Here's What It Actually Does)](https://mckenzieadams.net/resources/do-i-need-a-registered-agent)
- [Getting Mortgage-Ready in 90 Days: The Actual Playbook](https://mckenzieadams.net/resources/getting-mortgage-ready-in-90-days)
- [What a Complete Borrower Response Package Contains](https://mckenzieadams.net/resources/complete-borrower-response-package)
- [What Is a Dedicated Account in Debt Settlement?](https://mckenzieadams.net/resources/what-is-a-dedicated-account)
- [What Happens When You Stop Paying a Credit Card, Month by Month](https://mckenzieadams.net/resources/what-happens-when-you-stop-paying-a-credit-card)
- [Your FDCPA Rights: What Debt Collectors Can and Can't Do](https://mckenzieadams.net/resources/fdcpa-rights-debt-collectors)
- [EIN vs DUNS: What Your Business Actually Needs (Both, and Both Are Free)](https://mckenzieadams.net/resources/ein-vs-duns-what-your-business-actually-needs)
- [Rebuilding Credit After Debt Settlement: The 24-Month Plan](https://mckenzieadams.net/resources/rebuilding-credit-after-settlement)
- [How to Read Your Credit Report Like an Underwriter](https://mckenzieadams.net/resources/how-to-read-your-credit-report)
- [Debt Consolidation vs Balance Transfer: Which Actually Saves Money?](https://mckenzieadams.net/resources/debt-consolidation-vs-balance-transfer)
- [Why Your Business Bank Account Decides Your Funding Odds](https://mckenzieadams.net/resources/business-bank-account-and-business-credit)
- [FHA vs Conventional: The Credit Requirements, Side by Side](https://mckenzieadams.net/resources/fha-vs-conventional-credit-requirements)
- [Credit Utilization: How It Really Works, and the Reporting-Date Trick](https://mckenzieadams.net/resources/credit-utilization-explained)
- [Late Payments: What a Goodwill Letter Can and Can't Fix](https://mckenzieadams.net/resources/goodwill-letters-and-late-payments)
- [Net-30 Vendor Accounts: Building Tradelines That Actually Report](https://mckenzieadams.net/resources/net-30-vendor-accounts-that-report)
- [Business Credit Cards vs Personal: Liability, Reporting and the Personal Guarantee](https://mckenzieadams.net/resources/business-credit-cards-vs-personal)

## Full detail
- [llms-full.txt](https://mckenzieadams.net/llms-full.txt)