At Auriton Solutions the privacy of individuals and families served is very important. The following are examples of the impact Auriton has had on the lives of those we serve. While not actual clients, they are composites blending the challenges of typical families contacting Auriton and will serve as examples of our financial intervention process and outcomes.

Meet Alex & Amelia Alex and Amelia came to Auriton with a problem. Alex had been laid off his job for three months and was preparing to go back to work. Although Amelia was working, her income was not enough to pay the mortgage as well as all of the other bills and since they had no savings, they were now 3 months past due on their mortgage and worried about losing their home. The threats from their mortgage company freighted them and they were thinking of selling their home as the only alternative. When Alex and Amelia came into the Auriton office they were focused on how they could get out of their home and return financial sanity to their life. They had tried to refinance but had been turned down by everybody. A short review of their situation by an Auriton counselor provided them a totally new perspective on their situation. Through a thorough budget analysis they learned that they had the ability, now that Alex was back to work, to make consistent mortgage payments. They learned that mortgage companies want to avoid people losing their homes and have programs to help in situations like Alex and Amelia’s. They learned that they have rights and that any action to take their home was going to take a long time. Armed with this new perspective and a written Action Plan provided by their counselor, they requested a joint phone call with their mortgage company. The resulting call provided the mortgage company with enough additional information for the representative to send a request for financial information to Alex and Amelia. It turns out that the collection calls had so frightened the couple that  they had stopped talking to the mortgage company and the company didn’t know that Alex was back to work. With the help of the counselor, Alex and Amelia completed the request for financial information and returned it to the mortgage company. Within a  few days, the mortgage company has offered them a payment plan that allowed them to catch up on their mortgage by making slightly higher payments for six months. Now Alex and Amelia are totally caught up on their mortgage and committed to a savings plan that will provide a buffer if either of them is without work again.

Meet Tamara Situation: Tamara was past due on her cell phone bill and three credit cards. She was getting collection calls at work. Work Impact: The collection calls made it impossible for Tamara to carry out her job duties. She was written up for disciplinary action and threatened with further action if the collection calls continued. The stress created made it challenging for Tamara to perform her basic job functions. Presenting issues: Due to a difficult pregnancy Tamara has been out of work for 4 months. This created the past due issues. She was frightened about the consequences and had no clear view of her rights or options. Action Plan: Auriton's counselor provided Tamara with “Cease” letters that prevented collectors from calling her at work. Our counselor also provided information about her rights under the Fair Debt Collection Practices Act. Results: With the immediate crisis resolved, Tamara went to her parents and was able to borrow the money necessary to pay all creditors. She is off corrective action and seems satisfied in her job.

Meet Tim Situation: Tim contacted Auriton after confirming his spouse had  accumulated $89,000 in credit card debt. Tim is an executive in a local bank. Tim was unaware of the debt until it was too late. Work Impact: He was overwhelmed with feelings of guilt and shame about owing more that he could reasonable afford to pay. To make it worse he was a successful banker....and felt he should know better. Unable to address this at the bank he contacted Auriton for assistance. Presenting Issues:  Marital problems surfaced. Action Plan: Due to a second mortgage to consolidate past credit card debt, there was no ability to pay off debt. Auriton's counselor reviewed Tim's Chapter 7 bankruptcy options and made a recommendation that Tim and his wife seek legal counsel. Results: Tim chose the bankruptcy route and when the bankruptcy was completed, Tim was able to keep his job and has saved his marriage. Auriton helped Tim and his spouse put programs in place that prevent further excessive spending by the family.

Meet Joseph Situation: Joseph owns a small business - a bakery. Behind on mortgage payment by 3 months, and with $15,000 in credit cards and finance company loans he was at the end of his rope. Work Impact: Due to physical ailments Joseph was unable to operate the bakery at peak performance. The sharp decline in income made catching up impossible. . Presenting Issues:  He developed ulcers and was unable to work a regular schedule. Lack of sleep and constant harassment by loan companies made his life as a business owner a never ending struggle. Action Plan: After review Auriton counselors recommend that Joseph stop making payments on unsecured debts, and was able to facilitate a payment plan with his mortgage company. Results: Joseph is now current with his mortgage, and entered into a debt management program on his unsecured debts. He is back to working regular hours and his income is higher than it has been in 4 years.

Other Testimonials "Thanks very much. You guys have been great. Thanks to Auriton I am debt-free for the first time in seven years. Not only that, I have changed my spending habits and begun saving. I wish more people knew about your services, although I tell everyone I know who might find it useful. Again, thank you very much." - Charles "THANK YOU AURITON! Going to you guys is the best thing that I ever did. It feels like an enormous weight has been lifted and you can put that in writing." - Alexis "We have been working with you for a year and in that time, with your help, we are starting to find 'peace of mind.' We have not only found help but people to advocate for us. Seeing our balances go down each month has been a true motivator to continue with the program." - Linda "Just wanted to let you how happy we are to have signed up with you. Your staff has always been the kindest and always so helpful. We can see a light at the end of the tunnel we have dug for ourselves. We actually enjoy making the payments to you, knowing that soon we will be free and clear." - Cathy & Michael "You have a great thing going there. And I sure appreciate all the help you have given me. In turn I was able to purchase a home. My first home… I couldn't have done it without you." - Angel

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