Responsible Debt Relief

We offer superior guidance to financially distressed families by recommending the best debt resolution plan, administered by our carefully chosen affiliates that must abide by the best practices of the industry. Depending on their precise RDR debt repayment score, individuals and families are guided to the most appropriate debt resolution plan. [learn more]

Our risk-assessment software, based on a precise net cash-flow approach, provides a guidepost for lenders to develop the most appropriate mortgage modification that is more likely to last for the duration of the loan. Certain aspects that are typically neglected in modifications, such as lowering tax deductions caused by mortgage interest rate reductions are taken into consideration with this collaborated software. [learn more]

The RDR Institute is actively involved in ongoing imperative, relevant research projects relevant to consumer financial issues. The goal is to proactively adjust to the ever-changing financial landscape and support both consumers and creditors in a time of uncertainty. Recent projects include the Shared Equity Appreciation Proposal, Key Recommendations for the Foreclosure Crisis, and The Imperative of Restoring the American Dream (soon to be released). [learn more]

RDR has many programs tailored to meet the needs of Credit Unions and their members: collections, risk management, and membership services are available, among others. RDR has collaborated with the American Debt Relief Challenge by offering a unique underwriting tool to protect Credit Unions’ credit card portfolio from adding risky debt and accepting credit card that would otherwise be denied. [learn more]

RDR features an innovative system of educational programs, consumer debt capacity assessment software, and a network of approved debt management/resolution service providers. These RDR resources enhance the ability of Consumer Credit Counseling Services(CCCS) staff to better serve their clients in debt management, partial payment,and housing counseling programs. As soaring household debt burdens sharply reduce consumer eligibility for traditional CCCS debt management programs, the RDR system offers new tools and services that can dramatically increase the number of potential clients that can be helped by Consumer Credit Counseling Services(CCCS) organizations. [learn more]

RDR has the ability to conduct reviews on large pools of credit card debt. A surprisingly accurate valuation is conducted by assessing a random sample of credit card debt holders and integrating certain economic assumptions such as increasing unemployment. As a result, a more accurate valuation of an unsecured debt pool can be priced accordingly in the open market and the financial institution or investor is rewarded by selling the pool of debt at a fair market price.

Financial Education
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Public Interest Attorneys
Consumer Bankruptcy

The RDR debt repayment scoring system, which is based on a precise algorithmic assessment conducted by our well-trained RDR assessment team, facilitates the ability to conduct reviews of large credit card debt pools. Should an Attorney General decide to conduct an audit of a debt settlement company, our proficient system stratifies consumer debts into realistic debt repayment scores and a comparative analysis reports the likelihood of current plans succeeding. [read more]

The RDR algorithmic risk assessment software is a fast and efficient tool for loan underwriting. The software is easy to use and the calculations are objective and reliable across all states, tax filing statuses, and household structures. The precision of the RDR software is based on the current financial situation of the consumer and offers a complement to retrospective financial assessments such as a FICO score. [read more]