Auto, Boat, RV & Auto Bill Debt Solutions with DB Credit Repair

When payments fall behind, lenders typically report delinquencies within 30 days—hurting your credit fast. After 90–180 days, repossession becomes likely, and you may still owe the remaining balance after your RV or boat is sold at auction.

DB Credit Repair helps prevent repossession and credit damage by negotiating with lenders before things spiral.

Walking away isn’t a solution—it often creates a bigger financial problem. Even after repossession, most borrowers are left with a deficiency balance and possible lawsuits or collections.

👉 Instead of abandoning your loan, we create strategies that reduce what you owe and protect your financial future.

A settlement allows you to close your loan for less than the full amount. The lender gets paid, and you get relief from overwhelming payments.

👉 Our team negotiates directly with creditors to lower balances, then repairs your credit so you can move forward with confidence.

Sometimes canceled debt is treated as taxable income, but not always—there are exceptions based on your financial situation.

👉 We’ll walk you through what to expect and connect you with resources so you aren’t caught off guard.

Yes, settlements may cause a short-term dip in your score. But ignoring the debt or facing repossession is usually far worse. With the right strategy, you can recover quickly.

👉 At DB Credit Repair, we pair settlements with proven credit repair so your score rebounds stronger.

Yes, in some situations lenders prefer to negotiate before you fall too far behind. The key is knowing how to approach them.

👉 That’s where we come in—we handle the conversations and build terms that work in your favor.

Repossession or default can make insurers see you as a higher risk, raising your premiums. By resolving the debt before it reaches that point, you may avoid those extra costs.

👉 We step in early to help protect both your credit and your insurance rates.