THE BEGINNER’S CHARGE-OFF & COLLECTIONS DISPUTING 2-VOLUME SET

By Richard A. Barrett – Kaironeek Financial

If you’ve been battling charge-offs or collections and don’t know where to start, this two-volume set gives you the full system you need  not just letters, but real strategy grounded in the law.

This is the complete beginner-friendly bundle built for people who want to understand the “why,” not just copy and paste disputes. Each volume walks you step-by-step through the same legal framework used by serious credit repair professionals.

VOLUME 1 — The Charge-Off Account Deletion Packet

This guide goes far beyond traditional disputing.
You’ll learn how charge-offs really work, how they must be reported under federal law, and the exact areas where creditors routinely violate the FCRA.

Inside Volume 1, you get:

• A clear roadmap for handling charge-offs
• Legal explanations written in plain language
• Expertly drafted dispute letters that follow federal requirements
• Strategies for identifying violations and leveraging them for deletions

Perfect for beginners, yet strong enough for professionals.

VOLUME 2 —The Collection Account Remover Packet

Collections accounts can destroy a credit profile  but most consumers don’t know their real rights under the FCRA and FDCPA.
Volume 2 breaks everything down in a way that’s simple to follow and highly effective.

Inside Volume 2, you get:

• 20 professionally crafted letters targeting a wide range of collection accounts
• FDCPA and FCRA-based approaches to stop illegal reporting
• Step-by-step instructions for every letter
• Clear guidance on medical, court-related, and third-party collections
• A beginner-friendly system that’s easy to apply

Whether you’re new to credit repair or already running a business, this volume gives you the foundation to dispute collections with clarity and confidence.

WHY THIS SET MATTERS

Together, these two volumes form one of the most complete beginner systems for credit repair.
You’re not just sending letters  you’re learning the law, understanding the system, and using real leverage the right way.

This set is perfect for:

• DIY credit repair beginners
• Credit repair business owners
• Anyone dealing with charge-offs or collections
• Coaches, educators, and consultants

If you're ready to take control of your credit, understand your rights, and dispute with confidence, this 2-volume set is the perfect starting point.

Take the first step toward better credit get the 2-Volume Set today.