Our Services

The Valence Institute offers a range of services designed to help borrowers and collection agencies reach fair and ethical resolutions.

How We Help

Our comprehensive approach addresses the needs of both borrowers and collection agencies, focusing on creating sustainable solutions while fighting against unethical practices.

We believe that most collection issues can be resolved when both parties communicate effectively and understand their rights and responsibilities.

Our team of experts provides guidance, mediation, and advocacy to ensure fair outcomes for everyone involved.

Our Approach

Assessment

We thoroughly review your situation and identify the key issues.

Education

We ensure you understand your rights and options under the law.

Mediation

We facilitate productive conversations between all parties.

Resolution

We help create and implement practical, sustainable solutions.

For Borrowers

We help individuals and families facing debt collection challenges.

Debt Validation

We help you understand your rights to validate debt and ensure collectors are providing proper documentation.

Harassment Prevention

We intervene to stop harassing calls, threats, and other illegal collection tactics.

Payment Negotiation

We help negotiate affordable payment plans that work within your budget.

For Collection Agencies

We help agencies improve recovery rates while maintaining ethical standards.

Compliance Consulting

We provide guidance on FDCPA compliance and best practices for ethical collections.

Mediation Services

We facilitate constructive dialogue with borrowers to reach mutually beneficial resolutions.

Staff Training

We train collection staff on communication strategies that increase recovery while treating borrowers with dignity.

Our Mediation Process

See how our step-by-step approach leads to positive outcomes for all parties.

Initial Consultation

We assess your situation and identify key issues. For borrowers, we review your debt documentation and collection communications. For collection agencies, we analyze your current recovery process.