If your credit report has errors in it (many do), we can force the credit bureau to correct the error.
Even if it's not an error, we use a little-known Federal law to make the credit bureau and the creditor jump through some hoops. If they don't do it just right (this often happens), the item stays off your credit report.
If the debt has been transferred, but you have not paid the new creditor anything, we have an extra advantage. In this case, the new lender cannot win a lawsuit if properly defended. We prove that we know how to do this and the game is up.
Most "loans" are not loans at all. Lenders do NOT want this fact known. We use this fact to make creditors keep quiet.
Many lenders are involved in easily-proven breach of contract and/or criminal activity. This gives us a HUGE negotiating advantage!