Struggling with Debt? We offer creative ways to help individuals regain their financial solvency by analyzing their complete financial picture and developing a custom solution that’s fast, easy, and most importantly, affordable.

Overview

Here at Madison Monroe & Associates we offer a variety of services to meet your specific needs. If you are facing a financial hardship we want to help with one of our aggressive debt reduction programs designed to give you immediate relief. Speak with one of our consultants today and let us help you get on the path to financial freedom.

Creativity

With the highest level of education, technology and software’s at our finger tips we have all the resources in place to get you out of debt.
Simply click on the Start Now tab to get started!
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Professional Help

With a wide range of services and experts in each category having extensive knowledge and work experience we have all the tools in place to get you back on the path to financial freedom.
Let us jump start your new path to a debt free lifestyle.
Financial Freedom Starts here!

Services

How We Help You


Welcome to Madison Monroe & Associates

MMA was founded to provide an ethical, moral and honest debt settlement program to American consumers in financial distress due to their unsecured debt. We have built our company around these fundamentals and have been successful at helping many Americans achieve Financial Freedom.

Madison Monroe & Associates was founded in September 2009 in Fort Lauderdale, Florida. It began offering its clients the opportunity to settle their outstanding unsecured debts, including but not limited to: all credit cards, gas cards, retail store cards, repossessions, judgments, medical bills and unsecured personal loans. In the summer of 2010 we introduced our Credit Repair Division as the company started to shift its mentality and wanted to be able to offer its clients more options when it came to their credit card debt and credit score which go hand in hand. The better your credit score and rating the more credit cards you can apply for and get approved for. We wanted to make sure that once our clients completed our program they would have no problem establishing new credit, purchasing a new vehicle or even buying that dream home.

In August 2011 we had outgrown the 4 offices that we were occupying in downtown Fort Lauderdale, we decided to make the move to Miami which was about 20 miles further South to be more centralized and near South Florida’s three major highways the I95, Florida’s turnpike and the Palmetto also known as the 826. They are all within a half a mile of our office. Our office is a little over 3,000 sq feet located on the 2nd floor Suite 206 of the NR Park Commercial Building.

In January 2014 we went ahead and added another product that we felt would vastly improve our stature as an A+ company in America , we added Student Loan Consolidation. In 2015 Student Loan debt surpassed Credit Card debt and became the second largest source of personal indebtedness in this country, something that we found to be unacceptable and decided to do something about it.

We have over 1,000 active clients in our programs and are extremely proud to be able to state that we have an A+ rating with the Better Business Bureau and only 3 complaints in the last three years. That is something that makes us extremely proud of the hard work, attention and dedication that we give our clients, especially knowing that we service nationwide and allot of our clients are from out of state.

Ultimately our only goal is to be able to get out clients out of debt and to make sure they have a pleasant experience throughout the process. If our clients are happy, then we are happy and that becomes priceless.

One of the main reasons for our success is not only our determination to provide you with some of the lowest settlements in the industry but also our dedication in making sure that only caring and competent people are chosen to work for us. Being a company that services the public we take pride in offering continual training to each member of our team in order to provide the best services available.

Debt Settlement is the fastest and least expensive way to get out of debt and improve credit worthiness without filing bankruptcy. Also known as debt negotiation, debt settlement is not a credit counseling service or a consolidation loan; it is an ambitious approach to debt reduction for those experiencing an overload in debt and who have considered bankruptcy as an option. This practice however, is difficult to handle on your own.

Over the years, our arbitrators have established relationships with the many creditors in order to simplify this process. We work diligently with your creditors to reduce your unsecured debt balances down as much as 40-60% by arbitrating an agreed settlement. Any debt settlement program will have an adverse effect on your credit during the term of the program. This may affect your ability to apply for new credit while your accounts are being settled. Once the debt has been paid off through a settlement program, a client is then free to rebuild a solid credit profile without holding the burden of any outstanding debt.

Our negotiation process has been tested and developed over years of experience by our team of professional arbitrators. Our arbitrators are highly skilled and trained in each of their fields of expertise whether its credit cards, personal loans or car repossessions. Through their established relationships with the creditors and financial institutions, we are able to successfully negotiate the debts of our clients at a substantial discount. We continually develop our relationships with creditors, collection agencies and law firms throughout the country, and we always maintain a very professional and cooperative relationship with them in order to reach the most favorable settlement offer for our clients.

We work directly, and 100% for you.

We have a 30 day Refund Policy. If you are not completely satisfied with our services, we will refund you your money.

Cancellation Policy: You may cancel at any time without penalty, simply contact our customer service department (877) 605-3167 and they will walk you through the process.


Hello,

One of the main reasons for our success is not only our determination to provide you with some of the lowest settlements in the industry but also our dedication in making sure that only caring and competent people are chosen to work for us. Being a company that services the public we take pride in offering continual training to each member of our team in order to provide the best services available.


We are proud of the fact that our clients are extremely happy that we follow this rule and put our clients best interest ahead of ours. Madison Monroe & Associates has achieved the highest rating with the BBB with an A+ Rating, based on our customer service history.



You are not alone when you find yourself way over your head in debt, it happens all the time to hard working families all over the United States day in and day out, but we are here to help alleviate some of that stress with our turn key debt settlement operation. We help people like you attain financial freedom.



We encourage you to contact us today regarding your debt issue and see how we may help you get free of your debt issues.

Meet Our Creative Managers


One of the main reasons for our success is not only our determination to provide you with some of the lowest settlements in the industry but also our dedication in making sure that only caring and competent people are chosen to work for us.

team

Joe Zinerco

Vice President

Joe Zinerco has been with the company since its conception and continues to be heavily involved in day to day operations. Prior to joining Madison, Monroe & Associates, Mr. Zinerco studied Business Management at Flagler University and then continued his education at Nova Southeastern University while playing collegiate baseball. He then advanced his career obtaining a regional manager position with a prestigious Home Financing company. He has been asked to speak in front of the Florida State Senate and Florida House of Representatives on possible home financing solutions as well as a personal meeting with then Speaker of the House Marco Rubio. After joining Madison, Monroe & Associates, Mr. Zinerco’s work ethic and passion for helping others quickly spread throughout the company. He believes in putting people in better situations and follows the motto of treating every client like they are his family. He continues to assist enrolled clients, helps educate our staff with all of the latest financial information, and overseas our Student Loan forgiveness department as well as other everyday tasks.

team

Carlos Rodriguez

Arbitration Manager

Born in Puerto Rico and raised in the Bronx, New York Carlos acquired an Associate’s Degree in Business Administration; he is also a US Marine Corp Veteran with 6 years of active duty service. With over 33 years Managing Law Firms Carlos has brought a wealth of experience and knowledge to MM&A since 2009 that has been a corner stone of our company. With a background in civil law and extensive work history handling and dealing with garnishments, bankruptcy law, judgments and collection’s our clients can rest assure that they are in good hands when it comes to trusting our Arbitration Team. Mr. Rodriguez is also a Commissioned Notary Public.

team

Naomi Reetz

Operations Manager

Naomi is a native of Florida and a graduate of Florida State University where she received her Bachelor’s Degree. She joined our team in 2009 as an assistant to the Director of Sales. Within a year she was promoted to Client Services Manager due to her exceptional work ethic, smarts and dedication. She has continued to grow with our company and is currently the Director of Operations. In her free time she enjoys traveling, staying active and cheering on the Seminoles.

team

Jeffrey Naranjo

Customer Service Manager

Jeff is the customer service manager with over 8 years experience in Sales and Marketing. His work history is well rounded having success in proving customers with product knowledge from Telecommunication, Real Estate, Automotive, and now Debt Settlement. Prior to working at Madison Monroe and Associates, he worked for Cox enterprises, a fortune 500 Company where he excelled in account acquisitions and customer service. He now prides himself in providing excellent customer service while educating clients on the intricacies of Debt Settlement for families looking to accomplish their goals of financial freedom. With over 7 years experience in the Debt Relief industry, he has gained extensive knowledge by excelling in Sales, Arbitration, and now Customer Service within our industry.

Reaching Financial Freedom.



Reaching financial freedom in a reasonable amount of time is not a mystery any more.

Graduating clients at MADISON MONROE and ASSOCIATES are so happy to be starting a new chapter in their lives using their increased monthly funds for other endeavors.

The great part of this option is that you have the legal right to take advantage of a system that can literally save you thousands, and boost your FICO score in little time.

Many are choosing this option for a year or two to do just that.

Choosing an A rated family run company with many years of experience can provide you with a seamless solution between you and your creditors.

Stop in, call or email today!

Here is what you can expect:

Have additional monthly income by cutting your monthly payments - so you get relief NOW! 90%
Become debt free in 12 to 24 months instead of paying interest & payments for 5-15 YEARS! 70%
Eliminate ALL interest payments while in the program. 60%
Creditor contact redirected to our office. 80%
Pay back a lower percentage of your total debt and gain financial freedom for yourself and your family 80%
Keep the cards you need in a case of emergencies. 80%
Credit Restoration available after graduation of the program. 80%

Happy Customers


Specialties


"Ultimately our only goal is to be able to get out clients out of debt and to make sure they have a pleasant experience throughout the process. If our clients are happy, then we are happy and that becomes priceless."

Student Loans

In 2016, the U.S. Department of Education acknowledged that Americans owe over $1.3 trillion dollars of student loan debt with the average person graduating with a balance of $37,172 in debt. In fact, student loan debt has tripled in the last decade thus surpassing credit card and auto loans as the 2nd largest debt owed in the United States. If Americans need help paying off their debt or better yet, paying it off more efficiently, where do they turn?

Thankfully, Madison, Monroe & Associates specializes in student loan consolidation and more specifically, Direct Loan Consolidation programs that work in conjunction with the U.S. Department of Education. There are many programs that can help individuals pay back less than what they owe, drastically reduce their monthly payments and even legally forgive their loans altogether.

We would first provide our clients with a risk free proposal on how we can consolidate all of a client’s federal student loans into one low payment. This initial consolidation will increase a client’s credit score since current loans will be paid off by the Department of Education. Once the loans are consolidated, it is Madison, Monroe & Associates specialty to find the right program that benefits our clients the most. In fact, in over 83% of our consolidations, we were able to lower our client’s monthly payments to less than $10.00 per month. The problem is that many Americans are not informed of these income driven programs that take into consideration your overall family size and household income. Loan servicers typically do not inform clients of these programs as that will drastically reduce a client’s payment contribution to them directly. In addition, we are very successful in assisting clients to have their loans completely forgiven if they are disabled or receiving disability.

What should you do?

If you owe over $3,000 in student loan debt, contact us and with a few, non personal questions, we can provide an instant free proposal. These programs are not credit score dependent allowing everyone to qualify for these forgiveness and reduction programs with the Department of Education. Since Madison, Monroe & Associates is not the company servicing your debt; our only interest is achieving the lowest possible payment for our clients.

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Credit Repair

Everyone that lives in this country knows how important having good credit is, whether it’s to buy that dream house you always wanted, a new car to get around, get approved for credit cards and loans or even applying for a good job, a lot of big name companies and government agency’s require employees to have good credit now a days.

This is precisely where we come in. We're here to help you achieve your optimal credit profile. We work with the credit bureaus and your creditors to resolve issues on your credit reports. We work on items that should be deleted or removed, items that should be updated, and items that should be re-characterized. We've studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you. Our programs are based upon extensive research of consumer credit laws, credit bureau tactics and persistence for our clients.

Our programs are 100% legal. We've helped thousands of Americans correct their credit profiles and counting.

Here at Madison Monroe & Associates we've effectively disputed every kind of problem a credit report can have and we're waiting to help you now. Let us show you the difference we can make for your credit today.

We make credit repair fast, easy and effective for our clients. When it comes to choosing a company that handles any aspect of your finances the first criteria that you look for is "trust". Madison Monroe & Associates was conceptualized by leading financial managers in the mortgage, debt settlement, and credit repair industries. Weathering the storms of adverse financial climates has caused us to sharpen our expertise and tools to now assist you in gaining another level of financial freedom for your household.

Madison Monroe & Associates takes our shared values and provides a secure, technologically advanced, and a solid relationship based approach to handling your private financial matters. The attorneys, arbitrators and client services staff collectively have over fifty years of experience, based in credit card law, and close working relationships with the creditors that you have been dealing with.

We are Simple, Powerful, Affordable and Necessary.

Register

Debt Settlement

Debt Settlement is the fastest and least expensive way to get out of debt and improve your credit worthiness. Also known as debt negotiation, debt settlement is not a credit counseling service or a consolidation loan; it is an ambitious approach to debt reduction for those experiencing an overload in unsecured debt and looking for the cheapest and fastest alternative available to them.

You are not alone when you find yourself way over your head in debt, it happens all the time to hard working families all over the United States day in and day out, but we are here to help alleviate some of that stress with our turn key debt settlement operation.

Over the years, our arbitrators have established relationships with many banks, creditors, collection companies and law firms in order to simplify this process. We work diligently with your creditors to reduce your unsecured debt balances down as much as 40-60% by arbitrating an agreed settlement.

Our negotiation process has been tested and developed over years of experience by our team of professional arbitrators they are highly skilled and trained in each of their fields of expertise whether its credit cards, personal loans, medical bills, department store cards, gas cards or car repossessions.

Through their established relationships with the creditors and financial institutions, we are able to successfully negotiate the debts of our clients at a substantial discount.

We continually develop our relationships with creditors, collection agencies and law firms throughout the country, and we always maintain a very professional and cooperative relationship with them in order to reach the most favorable settlement offer for our clients.

We work directly, and 100% for you.

We have a 30 day Refund Policy. If you are not completely satisfied with our services, we will refund you your money.

Cancellation Policy: You may cancel at any time without penalty, simply contact our customer service department (877) 605-3167 and they will walk you through the process.

Register


 

Contact Us


Madison Monroe & Associates is here to help you when you are struggling with debt. We will negotiate with your creditors on your behalf and work towards getting a significant reduction of your outstanding balances and getting your stress free life back. Contact us to see if we can help you too.

Madison Monroe & Associates

877-346-2797

help@madisonandmonroe.com

1111 Park Centre Blvd. Suite 206,
Miami Gardens, FL 33169