Structured Creditor Communication & Settlement Facilitation

Lumera Services  assists clients with structured communication and negotiation efforts involving delinquent, charged-off, or collection accounts.

Lumera acts solely as a negotiation facilitator on behalf of the client.

Services are provided in accordance with applicable federal and state regulations.

WHAT WE DO

Services may include:

✔ Reviewing outstanding accounts
✔ Requesting debt validation when appropriate
✔ Communicating with creditors or collection agencies
✔ Submitting settlement proposals
✔ Responding to counteroffers
✔ Requesting written settlement confirmations
✔ Assisting with hardship-based settlement proposals
✔ Negotiating pay-for-delete requests when appropriate
✔ Maintaining structured documentation for each account

Each account is handled individually using a documented negotiation process.

HOW OUR PROCESS WORKS

1️⃣ Account review and documentation collection
2️⃣ Debt validation request (when appropriate)
3️⃣ Initial settlement proposal
4️⃣ Counteroffer negotiation if necessary
5️⃣ Written settlement confirmation obtained
6️⃣ Client review and approval
7️⃣ Client makes payment directly to creditor
8️⃣ Payment verification documented

Lumera Services LLC does not collect, hold, or manage settlement funds.

All settlement payments are made directly by the client to the creditor or collection agency.

No settlement is finalized without the client’s express approval.

FEE STRUCTURE

Negotiation fees are charged per successfully negotiated account.

Fees are earned only after:

• Written settlement confirmation is received from the creditor or collection agency
• The client reviews and approves the settlement terms

If no settlement is reached for a specific account, no negotiation fee is charged for that account.

Flat Negotiation Fee Schedule

Settlement Amount $500 or less
Negotiation Fee: $75 per account

Settlement Amount $501 – $2,000
Negotiation Fee: $150 per account

Settlement Amount $2,001 – $5,000
Negotiation Fee: $250 per account

Settlement Amount over $5,000
Negotiation Fee: $350 per account

Negotiation fees are separate from any payments made to creditors or collection agencies.

Lumera does not receive creditor payments.

IMPORTANT DISCLOSURES

Lumera Services LLC does not guarantee:

• Settlement acceptance
• Debt reduction amounts
• Credit report deletion
• Specific financial outcomes

Lumera Services LLC:

• Does not provide legal advice or legal representation
• Does not provide bankruptcy counseling
• Does not operate as a debt management plan
• Does not consolidate debt
• Does not lend money
• Does not pool client funds

Creditors and collection agencies make independent decisions regarding settlement offers.

Begin With a Consultation

Complete our Consultation Form or contact us directly to determine whether negotiation services are appropriate for your situation.

TAX CONSIDERATIONS

If a creditor forgives a portion of a debt, the forgiven amount may be reported on IRS Form 1099-C (Cancellation of Debt).

Forgiven debt may have federal tax implications.

Tax preparation services, if needed, are provided under a separate agreement.

Federal & Regulatory Compliance Disclosure

Lumera Services LLC operates in compliance with applicable federal consumer protection laws.

Where applicable, services are structured to align with:

• The Federal Trade Commission (FTC) Telemarketing Sales Rule (TSR)
• The Fair Debt Collection Practices Act (FDCPA)
• Applicable state consumer protection statutes

Lumera Services LLC:

• Does not charge advance fees prior to successfully negotiating and obtaining written confirmation of a settlement
• Does not collect, pool, or hold client funds for creditor payments
• Does not require clients to stop communicating with creditors
• Does not misrepresent creditor policies or credit reporting outcomes
• Does not guarantee specific results

Fees are earned only after a written settlement confirmation is obtained and approved by the client.

Services are provided nationwide where permitted by applicable state and federal law.

SERVICE AVAILABILITY

Services are provided nationwide where permitted by applicable state and federal law.

A signed Debt Settlement & Negotiation Services Agreement is required before services begin.

Debt Settlement & Negotiation services are provided pursuant to a written agreement. Lumera Services LLC acts solely as a negotiation facilitator and does not provide legal advice, debt management plan administration, or loan brokerage services.