Who is Dynamic Solutions International

Dynamic Solutions International is an association that offers a number of benefits and services designed to assist homeowners and consumers who are working their way through a financial difficulty. Because financial hardships come in many forms Dynamic Solutions International offers debt settlement services, loan modification services, credit repair services, and more.

Dynamic Solutions International was built upon the ideal that our company is only as strong as the service we provide to our clients; Dynamic Solutions International has always understood that each client has a different hardship and a different need.

Our “client focus” philosophy strives to meet those needs through quality service and individual attention during your time of hardship. We have made the commitment to saving the American Dream.

At DSI we adhere to the idea that two things really make a difference in the financial future of our clients. The first is our client focus attitude, and as the definition of dynamic suggests taking "effective action" is the second.

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Put the Most Qualified Team to Work for You

D.S.I. brings together the finest professionals in the industry, including mortgage specialists, former compliance officers of lending institutions, settlement specialists, finance professionals, real estate experts, and financial advisors.

This winning combination will give you the best results available.

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Our Products

Loan Modifications

Home Owner's Assistance

Our American Dream Assistance program was designed to improve the lives of Americans hit hard by the recent economic and housing crisis. American Dream Restoration Services offers services that empower the individual with the tools to help the consumer through the loss mitigation process and take control of their financial situation. What is the best part about the American Dream Assistance program? We don't charge you a dime until you see results. There are no upfront fees with DSI and the American Dream Assistance program.

"No Up Front Fee - Loan Modification"

Call DSI today and find out how the American Dream Assistance program can benefit you!

If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments, may be eligible.

Am I eligible for a Home Affordable Modification?

Answer these questions:

Is your home your primary residence?

Is the amount you owe on your first mortgage equal to or less than $729,750?

Are you having trouble paying your mortgage?
For example, have you had a significant increase in your mortgage payment OR reduction in your income since you got your current loan OR have you suffered a hardship that has increased your expenses (like medical bills)?

Did you get your current mortgage before January 1, 2009?

Is your payment on your first mortgage (including principal, interest, taxes, insurance and homeowner's association dues, if applicable) more than 31% of your current gross income?

Based on your answers to the modification eligibility questions, you may qualify for a Home Affordable Modification. Call DSI today and find out if you qualify.

What makes the American Dream Assistance program different?

The goal of the program is to help the homeowner through the process of saving their “home, time & money.”  The program is handled by a Non For Profit Organization with an A+ in Customer Care.

We typically see that the biggest problem most homeowners face when contacting the lender is not being prepared.

There are many factors contributing to the crisis facing the nation, a bad economy, loss of employment, no available jobs, health related issues, the list is endless and each unique to every Home Owner. All these are real and present in the lives of every day Americans who should not be penalized due to circumstances beyond their control.

All major lenders received stimulus funds the banks should be more willing to work with homeowners by providing relief as long as the homeowner’s situation is a legitimate hardship.

As a homeowner you may want to initially reach out and speak to your lender directly. However, in certain cases homeowners have been told that they are not eligible for  assistance until they are officially behind on their mortgage. This is very upsetting since most people make the effort to speak with the lender before even being late in order to avoid the situation altogether.

That is exactly where the American Dream Assistance program can help you! We focus on educating homeowners on how to comply with the requirements as well as on preparing and providing you with all the information you will need in order to obtain a loan work-out option with your lender. We specialize in document preparation, submission to your lender and we confirm that documentation has been received, uploaded and a review is in process. In addition, we provide support throughout the entire process. Homeowners can call us at any time with questions.

DSI and American Dream Restoration Services does not do Workout Modification Packages in the States of: IN, CA, WV, WI, AK

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Debt Settlement

The concept of settling debts has probably been around since man first began lending. In the United States the earliest instances of this strategy seem to be attributed to a man by the name of William Samuel Johnson. Johnson was a scholar, lawyer-jurist, politician, and one of the most educated signers of the United States Constitution. Working as a creditors’ attorney, Johnson often negotiated a settlement of accounts rather than engaging in lengthy litigation (which is all debt settlement really is).

Debt settlement is a strategy that involves negotiating a reduction in the balance you owe, rather than just interest rates. A legitimate debt settlement company can usually arrange for your unsecured debt — typically, credit card debt — to be paid off for anywhere from 30 to 50 percent of the balance owed.

It is intended to provide those people who are unable to make their minimum payments an ethical way of repaying as much of their debt as they can, in accordance with their means.

When you hire a debt settlement company, they notify your creditors that you have enrolled in their program and that your intention is to settle your accounts. They also notify them that since they represent you, all creditor contact should be with the settlement company.

All your monthly payments are then consolidated into one regular monthly deposit into a settlement account. The money in the account continues to accrue until you have an amount sufficient to settle with a creditor.

For example, if you owe $1,000 on a credit card, a debt negotiation firm may arrange for you to pay off the debt with a lesser amount, say $400. Once the $400 has accrued in the account, the settlement is finalized and you pay the creditor the agreed amount. That debt is now paid with a $0 balance and the process is repeated until all creditors have been paid.

The strategy is designed to get you out of debt as quickly as possible. Most people can retire all their unsecured debts in as little as 18 to 36 months.

The Reality of Debt Settlement

This program only works on unsecured debt. It does not work on loans with collateral, such as mortgages or car loans. However if you qualify, it’s one of the most straightforward and highly effective solutions for retiring debts and avoiding bankruptcy.

To qualify a person must be behind on their payments (or can see that they soon will be). Creditors will not negotiate if you are current – there is no incentive for them to do so. They only negotiate after the account is delinquent.

This delinquent status can have a negative impact on your credit report. Your creditor will report you as being late. However, if you are behind on payments already, the impact on your credit has already occurred.

Essentially, debt settlement is really nothing more than a negotiated compromise with your creditors. It's actually a win-win scenario for you and the creditor. The result is a much faster path out of debt.

It's also a much more flexible approach than other types of programs, because it's the only approach that allows for adjustments up or down in the monthly funding commitment. That's especially important for consumers with unstable finances.

In a Nut Shell:

Debt should be viewed as an alternative to bankruptcy. In fact, it's a very good alternative to Chapter 13 bankruptcy in particular. When viewed as an alternative to bankruptcy rather than a cure-all for financial woes, it provides a good solution. For a detailed comparison between debt settlement and Chapter 13 bankruptcy, see new-bankruptcy-law-info.com

Debt settlement can provide a more aggressive approach to debt reduction that makes sense for many consumers.

Credit and Credit Repair

One’s credit history and credit score is reflected, in many countries, as a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy. The term "credit reputation" can either be used synonymous to credit history or to credit score.

In the U.S., when a customer fills out an application for credit from a bank, store or credit card company their information is forwarded to a credit bureau. The credit bureau matches the name, address, and other identifying information on the credit applicant with information retained by the bureau in its files.

This information is used by lenders such as credit card companies to determine an individual's credit worthiness; that is, determining an individual's willingness to repay a debt. The willingness to repay a debt is indicated by how timely past payments have been made to other lenders. Lenders like to see consumer debt obligations paid on a monthly basis.

The other factor in determining whether a lender will provide a consumer credit or a loan is dependent on income. The higher the income, all other things being equal and the more credit the consumer can access. However, lenders make credit granting decisions based on both ability to repay a debt (income) and willingness (the credit report) as indicated in the past payment history.

These factors help lenders determine whether to extend credit, and on what terms. With the adoption of risk based pricing on almost all lending in the financial services industry, this report has become even more important since it is usually the sole element used to choose the annual percentage rate (APR), grace period, and other contractual obligations of the credit card or loan. Unfortunately, with an estimated 83% of all Americans having some sort of derogatory credit being reported, and with all of the banks and lending institutions making it increasingly harder and harder to obtain credit, people are very rapidly beginning to lose all their purchasing power. This is where the credit repair process comes into play.

Credit repair is the process of fixing a bad credit report, for whatever reason it deteriorated in the first place. It may be as simple as fixing mistakes with the credit agencies. Identity theft may require extensive credit repair work. The second form of credit repair is to deal with fundamental financial issues, such as budgeting, and begin to address legitimate concerns on the part of lenders. The DSI endorsed credit repair program will address all of these issues, and more, to help get your credit back on the right track.