Repair Your Credit.
Organize Your Books.
Pay with Confidence.
At Debts in a Row, we believe financial peace starts with structure. Whether you need credit repair, accurate bookkeeping, or dependable payroll support, we guide you step-by-step toward stability and growth.
Our Services
Your credit impacts your ability to buy a home, secure funding, or even qualify for lower insurance rates. We work with you to identify errors, dispute inaccuracies, and develop a personalized strategy to improve your credit profile.
What We Offer:
✔ Credit report analysis
✔ Dispute processing
✔ Creditor communication assistance
✔ Credit education & score-building strategies
✔ Personalized action plans
Requirement : Subscription to IdentityIQ with an affiliate link at $27.99/month. Must maintain this subscription for credit repair services.
Credit Repair Services - Repair your Credit.
Accurate books are the foundation of a successful business. We help you stay organized, compliant, and prepared for tax season—without the stress.
What We Offer:
✔ Monthly transaction categorization
✔ Bank & credit card reconciliations
✔ Profit & loss statements
✔ Balance sheets
✔ Clean-up & catch-up bookkeeping
✔ Financial reporting for decision-making
Bookkeeping Services - Organize Your Books.
Payroll mistakes can be costly. We ensure your team is paid accurately and on time while staying compliant with payroll regulations.
What We Offer:
✔ Payroll processing
✔ Direct deposit setup
✔ Payroll tax calculations
✔ Payroll reports
✔ New hire & employee record management
Payroll Services - Pay with Confidence.
Our company ethos
At Debts in a Row, LLC, we believe financial restoration is more than a service—it’s a calling. Our ethos is rooted in faith, transparency, and purpose. We serve our clients with compassion and clarity, empowering them to reclaim control over their financial futures. Every strategy we craft, every letter we send, and every conversation we hold is guided by the values of honesty, diligence, and grace.
Testimonials
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"I never thought I could qualify for a mortgage with my credit history. Heather and the team at Debts in a Row walked me through every step and explained everything clearly. Within just a few months, my credit score improved, and I was pre-approved for my first home! I can’t recommend them enough."
Jessica M., Owensboro, KY
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"After some medical bills and past financial mistakes, I was overwhelmed and didn’t know where to start. Debts in a Row created a personalized plan and handled the disputes for me. Heather’s guidance made it simple, and seeing my credit score improve gave me so much confidence."
Michael R., Henderson, KY
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"I referred one of my clients to Debts in a Row, and the results were incredible. Heather kept me updated on their progress through the partner portal, and the client was ready to close on their home faster than we expected. Professional, transparent, and genuinely helpful."
Samantha L., Local Realtor
Contact Us
Ready to fix your credit, organize your books, or simplify payroll? Let’s talk. Reach out to Debts in a Row, and we’ll guide you through your next financial step with confidence and care.