Corporate and personal debt reduction and exit strategy consultation with emphasis on our client's overall net worth

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Examining reduction and elimination options of toxic assets held in portfolios that offer no future financial benefit or hold no collateral value

WELCOME TO OWNERS FINANCIAL SERVICES

Owners Financial Services is a nationwide firm of dependable asset management consultants and mediators. Chief Counsel, Attorney Matthew H. Michaud, provides experienced legal support and adheres to the highest standards in the operation of the firm.  Owners Financial Services provides experienced consulting on the breadth of concerns involving corporations, partnership LLC’s, estate trusts, and real estate (as well as partial real estate/timeshare) ownerships, placing an emphasis on significant debt and homeowners association fee reduction. In most situations, we are asked to handle a permanent exit strategy for clients who once assumed it was not possible.

It is our firm’s mission to instruct and provide service to investors and struggling homeowners in a tranquil environment. Our staff’s substantial knowledge of many types of toxic assets allows us to accurately evaluate a client’s current situation and address solutions.  Many clients want to know if they can reduce their permanent expenses (i.e. business operating expenses or homeowners association fees) and continue to operate their business or use their property as they do currently.  Others wish to reduce the expenses that would likely be passed to heirs in the future, or discontinue a business or real estate ownership if it no longer suits their needs.  We focus on what is in the best interest of our clients when analyzing debt/fees and how it collaborates into their net worth.  Owners Financial Services aims to provide clients the choices of less costly options, and homeowners association fee relief if they are eligible to do so.

Owners Financial Services is available by phone, email, or nationwide by personal consultation. We recognize that there is not a strategy that fits everyone perfectly, but a reduction of unwanted costs is a great beginning for most. We are able to provide this and generally much more. We can offer guidance based on our clients best interest, whether they choose to retain their current ownership or make lasting changes and reductions. We then leave it up to the client to choose the course of action for future plans.

Here’s what people are saying about us.

"About four years ago we attended a fractional real estate resort community meeting in Orlando. After several rounds of hard-sell and price drops we bit and purchased into their ownership. We hardly used it and when my husband got sick I called the developer and asked if they would take it back for the balance owed (keeping in mind I wanted nothing from them in addition, all we wanted was out). I couldn’t have been more surprised that they not only rejected my offer but had the gall to try to “up sell” me into a larger ownership – I wasn’t falling for that trick again. Dismayed we tried to sell it on our own, which was met with many dead ends and costs. Finally our friend and financial consultant suggested we use Owners Financial Services for an exit out of this mess. Quickly we contacted them and a few weeks later they had someone in our area that showed us a simple way to get out and start saving all that money that was otherwise being dumped into the property. Finally a solution that worked."

Susan W. -Louisville, KY

“My husband and I started a small business as a project after we retired.  We realized that the cost to run it was more than the profits.  We tried several tweaks to try to counter this but ultimately we saw the writing on the wall that continuing on would not be beneficial.  Setting up the business was fairly simple through an online platform but terminating it was another story.  It all seemed so confusing and we were left in the dark on how we could safely do this. We felt that if we attempted this on our own we would have stumbled along the way.  The last thing we wanted was to be in the line of fire for creditors, lawyers, or the court system.  Basically we didn't want to make any mistakes and have to deal with lasting consequences.  Its a good thing we didn't have to do this on our own because Owners Financial had the knowledge to handle it for us.  They cut through the clutter and got us on the path to getting out quickly and easily.  They gave us confidence and piece of mind.  Very impressive work.”

Nancy S.- Indianapolis, IN

"A group of us started an online business that had partners in several states.  Honestly the reason we started it in the first place was so we could all work together "as friends."  By going the online route we figured that everyone can contribute at their leisure (nights, weekends, etc) and not be stuck in the 9 - 5 time bracket that a traditional brick and mortar store generally operates.  We quickly realized how the division of power wasn't an easy thing to dictate - especially when the partners don't get the chance to meet on a frequent basis.  Someone was always doing too little or someone else was feeling they were doing too much.  After some struggles a few members wanted legal counsel.  We spoke to a lawyer as well and found how costly this option could be.  We knew what the attorneys cost per hour was but we had no idea how many hours we were going to need.  So we collaborated with each other to find what our largest stumbling blocks were and contacted Owners Financial's mediation department.  We were quoted one price and they stuck to it.  The mediation process was certainly easy and we believe if helped preserve the friendship of the group."

Bill and Elizabeth W - San Jose

“Our family could simply not throw away more money on the legal fees involved with dissolving a partnership and issues we had involving a vacation home we had purchased.  The mediation department at Owners Financial made the dissolution of it very time and cost effective.  The one thing our former partners in the property did agree on was using this firm.  They made it easy for both sides to reason with what needed to be done to separate ourselves from future unwanted costs.”

Daniel C.- New Orleans, LA

“We met with Owners Financial several months ago to discuss getting out a fractional real estate property we purchased (most importantly the homeowners association fees).  Due to health we were unable to use the property like we used to.  Our family wanted nothing to do with our property and had always considered it a bad debt.  We found Owners Financial very accessible and easy to work with.  The information provided in the consult call was very impressive and they were very patient with us in answering our questions.  They listened and understood our issues and created a path to a solution quickly.  In several months we were out of our homeowners association bill but still left with an option to use the community like we always had.”

Sandra M.- Los Angeles, CA

“If not for Owners Financial we would still be in hot water.  We made a snap decision to buy a vacation property and have regretted it ever since.  Nothing ever went right with it from the beginning, and I think like a lot of people we never took the time to sit down and look at what we shouldn’t be spending money on.  This was where our consultant came in.  He made this easy for us to analyze to make a simple decision that help get a lot of bad debt off of our back.  It has made our monthly budget much easier.  Thanks.”

Steven A.- Ft. Lauderdale, FL

“When our local banker had advised us to work with Owners Financial we did not know what to expect.  We never thought of ourselves as the type of people who needed asset/debt management.  I do not even think we knew what it really meant.  We felt for some time that things had just gotten out of control for us financially and it needed to stop.  One too many times we took on debt just thinking that we would pay for it later, or the monthly payments would be easy.  Well they started easy, but soon caught up with us.  I think this happens to a lot of people.  We always looked at cars as $300/mo, not $30,000 plus interest like our consultant taught us.  Owners Financial broke things down into very simple terms and made us feel like we were taking control back of our financial situation. We now learn to look at the big picture, and not just on a monthly basis anymore.  These guys really made us aware of what to watch out for ”

David B.- Baltimore, MD

“My wife and I paid for very expensive advice from an attorney before meeting with Owners Financial.  We had payments on timeshares that were killing us.  Little did we know that attorneys sell time and getting to our desired outcome quickly was not in her best interest.  Owners Financial was happy to discuss our options and outcomes/timeframe in the initial free consultation call without any obligation.  I was kicking myself for paying over $650 to an attorney for advice I already knew.   Owners financial advised us what we needed to know and were there every step of the way.  I have since passed them on to several colleagues in a bad spot and they were successful for them as well.  It was great working with them. ”

George T.- New York, NY


 

My wife and I knew that year after year we were not saving enough for retirement. We felt that as much as we tried that something always came up that seemed to halt our efforts.  We felt financially responsible and shied away from all the known "retirement killers" we could think of but year after year our retirement savings just weren't growing.  We started imagining scenarios in which we would never fully retire and always be at the mercy of at least part-time work.  We needed to contact a professional who could take a look at our situation and see if we were missing something,  Owners Financial really opened our eyes to some very obvious pitfalls that we did not see.  Some of the things we were paying interest on could have been paid for (stopping the interest) and other things they found to be toxic in general and needed to be taken out of our financial ledger.  Its still going to take discipline, but now we feel much more confident that we can get ourselves into retirement without the worry of holding part-time work.  Hopefully our story can help others who might need a little assistance too.  We will be recommending them to our friends in the future.

Brian and Karen - Houston, TX

"Several years ago we bought a fixer upper in the mountains that we felt would make a great retreat for our family and grandkids.  At first our plan was to pool our family efforts together so we can get the majority of the major repairs done then continue to some of the smaller cosmetic stuff.  Shortly after securing a 2nd loan for repairs our oldest son had to relocate for his job.  The "remodeling" process was moving painfully slow and became far more costly due to having to outsource many of the repairs to contractors.  (Something we did not budget for when securing the second loan).  It was becoming clear that even more money was going to be needed if we were to finish this project.  Before spending anymore money on loans we needed a professional to assess and analyze if there was some cost saving financial strategies that we could incorporate into our plan to reduce any unnecessary spending,  Owners Financial was a great choice to help us out.  They had some fantastic ideas on how to reduce spending and secure lower interest loans. Now this "daunting" project is on the right path and we are seeing it closer to completion everyday.  We just wanted to take a minute to say thank you to Owners Financial for all their help."

Robert W - Ann Arbor

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