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.

Add-On

Add-On

Add-On Level Four Payroll

Each additional employee for level four payroll.

$6.00
Onboarding Fee

Onboarding fee one per client.

$49.99
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
Add-On Payroll Documents

Year end w2s/1099 filing - $10 per employee 

$10.00
Add-On Payroll Updates

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

$25.00
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Need to remove outdated or inaccurate information from your credit report?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

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