A comprehensive program for those navigating through credit and debt challenges.
Harness our unique Dispute to Litigate method and create a wealthier, debt-free future for yourself.
A comprehensive program for those navigating through credit and debt challenges.
Harness our unique Dispute to Litigate method and create a wealthier, debt-free future for yourself.

About Ken LaMothe
I'm Ken LaMothe, a dedicated advocate in credit resolution and consumer protection for over twenty years. My expertise stems from extensive work in mortgage default servicing and a deep understanding of consumer laws like FDCPA, FCRA, and TCPA. At my organization, C.A.R.C, I guide consumers, business owners, and financial professionals through the complexities of credit and debt, providing strategic planning and legal insights to foster financial stability. My mission is to empower clients with knowledge to transform their financial futures.
A clear personal financial statement and recognition of financial habits.
Jumpstart your financial overhaul by establishing a clear view of your financial landscape. You'll identify and rectify habits that have led to debt, setting the stage for healthier financial practices.
An established routine for managing and improving your credit score.
Master the nuances of your credit reports and initiate routine monitoring. This guidance equips you with the tools to visibly track and improve your credit score, ensuring upward financial mobility.
Strategic Debt Analysis
A prioritized list of debts and a strategic plan for tackling them.
Slice through the confusion of overwhelming debt loads. You'll learn how to break down your debts into manageable parts and devise strategic approaches for efficient reduction.
Skills to negotiate lower interest rates and better payment terms.
Transform your interactions with creditors. Gain the skills and confidence to negotiate favorable terms that will ease your path to debt freedom.
Enhanced understanding and application of legal rights in debt management.
Empower yourself with pivotal legal knowledge that protects your consumer rights. This module is essential for anyone ready to challenge discrepancies using the Dispute to Litigate method.
Initiated disputes for unfair or incorrect credit report items.
Take action against inaccuracies or unjust reports on your credit history. You'll learn to draft effective dispute letters, using established legal frameworks to cleanse your credit data.
A personalized, forward-looking financial plan.
Set yourself up for long-term success by aligning your financial behaviors with your personal aspirations. Your actionable, customized plan will guide your future financial decisions.


Enhanced financial education and readiness to embark on future financial endeavors.
Secure your financial future by mastering ongoing credit management and exploring investment strategies. This final step ensures you're equipped to continue building and maintaining wealth.
Claim Financial Freedom
Harness our unique Dispute to Litigate method and create a wealthier, debt-free future for yourself.
Claim Financial Freedom
A comprehensive program for those navigating through credit and debt challenges.
Harness our unique Dispute to Litigate method and create a wealthier, debt-free future for yourself.