Frequently Asked Questions

We provide four core services: Tax Preparation & Accounting, Bookkeeping, Credit Repair, and Business Funding. We work with individuals, families, freelancers, and small-to-mid-sized businesses.

Yes — Se Habla Español. Liza and our team are fluent in both English and Spanish, and we serve a diverse community with clients who prefer either language.

Yes. Book an appointment and we'll walk through your situation at no cost. You only pay once we agree on a service and scope.

The federal deadline is typically April 15 for individuals. If you can't file by then, we can request an extension — but taxes owed are still due on the original deadline. Book an appointment early to avoid delays.

W-2s, 1099s, last year's return, ID, Social Security cards for dependents, mortgage/property tax statements, medical expenses, charitable donations, and any business income/expense records. Request our full Tax Preparation Checklist on the Resources page.

Yes. We help clients resolve unfiled returns, respond to IRS letters, set up payment plans, and negotiate offers in compromise when appropriate.

Most clients see meaningful changes within 30–90 days, with full results in 3–6 months depending on what needs to be disputed. Every credit report is different — we'll give you a realistic timeline after reviewing yours.

We dispute inaccurate, unverifiable, incomplete, or outdated items — including incorrect late payments, charge-offs tied to accounts that aren't yours, outdated collections, and duplicate reporting. We don't promise to remove accurate negative items.

No. Disputing inaccurate items doesn't lower your score. The only actions that lower your score are new hard inquiries, missed payments, or high balances — which we help you avoid.

Typically $30k–$100k in revolving lines of credit or term loan financing. Rates generally range from 7–20% APY depending on credit profile, business revenue, and loan type.

No. We work with clients at various credit levels. If your score needs work, we can pair funding prep with credit repair so you qualify for better terms.

Pre-qualification usually happens within 24–48 hours. Full funding can close in 1–3 weeks depending on the lender and documentation.

Yes — they're different roles. Bookkeeping is the day-to-day tracking of transactions. Accounting uses that data to prepare taxes, financial statements, and strategy. Good bookkeeping makes accounting cheaper and more accurate.

Monthly at minimum. We offer weekly, bi-weekly, and monthly bookkeeping packages based on your business volume.