Our Services

Take the first step toward financial clarity and control.

At Debts in a Row, LLC, we don’t just repair credit — we help you organize your books, streamline payroll, and rebuild confidence in your financial future. Whether you’re improving your personal credit, strengthening your business foundation, or ready for full financial structure, our service levels are designed to meet you exactly where you are.

Choose the level of support that aligns with your goals, and let’s put your financials back in line — one step at a time.

Plans + Pricing

Plans + Pricing

Filters

Level Four Payroll

✔ 20+ employees Base price then each employee is $6(add-on fee)

✔ Payroll setup and system implementation (Current employees included)
✔ Payroll processing (weekly, biweekly, or monthly)
✔ Direct deposit management
✔ Payroll tax calculations
✔ Payroll reports and summaries
✔ Employee onboarding documentation support (add-on fee required)
✔ New hire reporting assistance (New hires add-on fee required)
✔ Year-end payroll reporting guidance
✔ Ongoing payroll compliance support

$49.99

Add-On to Level Four Bookkeeping. Every 50 transactions past 400 will be charged this fee.

$10.00
Add-On Level Four Payroll

Each additional employee for level four payroll.

$6.00
Add-On Payroll Documents

Year end w2s/1099 filing - $10 per employee 

$10.00
Onboarding Fee

Onboarding fee one per client.

$49.99
Level One Credit Repair

Up to 5 disputes on inaccurate items per month with all three credit bureaus.

✔ Full credit report analysis
✔ Dispute processing for inaccurate, outdated, or unverifiable items
✔ Creditor communication assistance
✔ Ongoing progress updates and support
✔ Mortgage and loan readiness preparation

$89.99
Level Two Credit Repair

Dispute up to 10 inaccurate or outdated items per month with all three credit bureaus (Experian, TransUnion, Equifax)

✔ Full credit report analysis
✔ Dispute processing for inaccurate, outdated, or unverifiable items
✔ Creditor communication assistance
✔ Ongoing progress updates and support
✔ Mortgage and loan readiness preparation

✔ Credit utilization guidance

$119.99
Level Three Credit Repair

Disputes up to 20 inaccurate items across all three credit cureaus (Experian, TransUnion, Equifax)

✔ Full credit report analysis
✔ Dispute processing for inaccurate, outdated, or unverifiable items
✔ Creditor communication assistance
✔ Ongoing progress updates and support
✔ Mortgage and loan readiness preparation

✔ Credit utilization guidance
✔ Credit education and score improvement coaching

$199.99
Level Four Credit Repair

Disputes up to 30 inaccurate items across all three credit bureaus (Experian, TransUnion, Equifax)

✔ Full credit report analysis
✔ Dispute processing for inaccurate, outdated, or unverifiable items
✔ Creditor communication assistance
✔ Ongoing progress updates and support
✔ Mortgage and loan readiness preparation

✔ Credit utilization guidance
✔ Credit education and score improvement coaching

✔ Personalized credit-building plans
✔ Debt-to-income (DTI) improvement strategies

$249.99
Pay-To-Delete Letter

Need to remove outdated or inaccurate information from your credit report? I’ll draft a customized page deletion letter on your behalf, professionally written and ready for you to send.

This service is perfect for individuals who want help taking the first step toward cleaning up their credit — without the high price tag.

$10.00
Level One Bookkeeping

✔ Monthly transaction categorization
✔ Bank and credit card reconciliations for 50 monthly transactions
✔ Profit & Loss statements
✔ Balance sheets
✔ Cash flow tracking
✔ Clean-up and catch-up bookkeeping
✔ Financial reporting for better decision-making
✔ Preparation support for tax season
✔ Ongoing financial organization and support

$149.99
Level Two Bookkeeping

✔ Monthly transaction categorization
✔ Bank and credit card reconciliations for 51-100 monthly transactions
✔ Profit & Loss statements
✔ Balance sheets
✔ Cash flow tracking
✔ Clean-up and catch-up bookkeeping
✔ Financial reporting for better decision-making
✔ Preparation support for tax season
✔ Ongoing financial organization and support

$199.99
Level Three Bookkeeping

✔ Monthly transaction categorization
✔ Bank and credit card reconciliations for 101-200 monthly transactions
✔ Profit & Loss statements
✔ Balance sheets
✔ Cash flow tracking
✔ Clean-up and catch-up bookkeeping
✔ Financial reporting for better decision-making
✔ Preparation support for tax season
✔ Ongoing financial organization and support

$249.99
Level Four Bookkeeping

✔ Monthly transaction categorization
✔ Bank and credit card reconciliations for 200+ monthly transactions
✔ Profit & Loss statements
✔ Balance sheets
✔ Cash flow tracking
✔ Clean-up and catch-up bookkeeping
✔ Financial reporting for better decision-making
✔ Preparation support for tax season
✔ Ongoing financial organization and support

$299.99
Add-On Catch-Up

Per Month Fee includes everything below.

✔ Review of prior months needing reconciliation
✔ Transaction categorization and correction
✔ Bank and credit card reconciliations
✔ Cleanup of uncategorized or duplicate entries
✔ Correction of reporting errors
✔ Updated Profit & Loss statements
✔ Updated Balance Sheets
✔ Clear financial summaries for tax preparation
✔ Transition into ongoing monthly bookkeeping (if needed)

$49.99
Level One Payroll

Up to 6 employees.

✔ Payroll setup and system implementation (Current employees included)
✔ Payroll processing (weekly, biweekly, or monthly)
✔ Direct deposit management
✔ Payroll tax calculations
✔ Payroll reports and summaries
✔ Employee onboarding documentation support (add-on fee required)
✔ New hire reporting assistance (New hires add-on fee required)
✔ Year-end payroll reporting guidance
✔ Ongoing payroll compliance support

$74.99
Level Two Payroll

7-12 employees

✔ Payroll setup and system implementation (Current employees included)
✔ Payroll processing (weekly, biweekly, or monthly)
✔ Direct deposit management
✔ Payroll tax calculations
✔ Payroll reports and summaries
✔ Employee onboarding documentation support (add-on fee required)
✔ New hire reporting assistance (New hires add-on fee required)
✔ Year-end payroll reporting guidance
✔ Ongoing payroll compliance support

$99.99
Level Three Payroll

13-19 Employees

✔ Payroll setup and system implementation (Current employees included)
✔ Payroll processing (weekly, biweekly, or monthly)
✔ Direct deposit management
✔ Payroll tax calculations
✔ Payroll reports and summaries
✔ Employee onboarding documentation support (add-on fee required)
✔ New hire reporting assistance (New hires add-on fee required)
✔ Year-end payroll reporting guidance
✔ Ongoing payroll compliance support

$139.99
Level Four Payroll

20+employees - $49.99 base pay then $6 per employee

✔ Payroll setup and system implementation (Current employees included)
✔ Payroll processing (weekly, biweekly, or monthly)
✔ Direct deposit management
✔ Payroll tax calculations
✔ Payroll reports and summaries
✔ Employee onboarding documentation support (add-on fee required)
✔ New hire reporting assistance (New hires add-on fee required)
✔ Year-end payroll reporting guidance
✔ Ongoing payroll compliance support

$49.99
Add-On Payroll Updates

Employee Updates - New employee setup, Termination, Payroll corrections , or Late Payroll request $25 per employee 

$25.00

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What they’re saying

  • "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

  • "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

  • "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