Michael Nikoley
I have been with Provanta for almost ten years. I have worked in just about every position possible from client services, negotiator and sales. For the past several years I've been the I.T. manager and dabbled in internet marketing. In October of 2008 I was handed the daily operations of Provanta as the General Manager.

mn@provanta.com



Tweeting Debt

June 3, 2009

You can now follow Provanta on Twitter.

Click here to follow Provanta.

Provanta Launches Video Blogging

June 3, 2009

video management, video solution, video streaming

Former Client Blog

January 30, 2009

Shonna Ritchey, a former client of Provanta has nothing but good things to say about her experience in the Provanta Debt Settlement program.  I hope you find the story of her journey to living debt free encouraging and inspiring.

“So when my beautiful son decided to try to come 3 months early the doctors put me on bed rest so I ended up with a 6 month maturnity leave wich was not in my budget. I called Provanta (with that dredful knot in my stomache thinking here we go again) to explain the situation they were kind and delightful and answered politely so what can you afford to send us today shonna? No judgements, no threats, no nothing. Just a simple what can we do to help? What can you afford? They were wonderful.Provanta settled my 19,000 debt down to about 7,000 in just a little over 2 years. I would recommend Provanata’s program to anyone listening. Provanata helped me in a great time of need and prevented me from filing bankruptcy. I owe them great gratitude what they had done for our family and our debt crisis. With today approaching a failing economy, everything going up (but our paychecks) were are you to turn for help with your debt? People are stuggling with finances more now than ever. Divorce is on the rise and people are starving. Older couples are freezing to death literaly in their homes because they cant afford heat.”

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Monthly Debt Free Clients

January 23, 2009

Total Debt Free Clients November, 2008

  • Total Clients Debt Free -9
  • Total Debt Settled – $204,645
  • Settlement Amount – $129,733
  • Savings – $74,912
  • Average Percentage of Settlements – 58%
  • Average Program Length – 42.56 months
  • Best Settlement – 31%
  • Worst Settlement – 79%

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Monthly Settlement Statistics

January 15, 2009

For December, 2008:

  • Total Debt Settled – $919,218
  • Total Settlement Amount – $342,546
  • Settlement Percentage – 37.3%
  • Total Cases Settled – 134

Best Settlement:

  • Current Claim – $18,947
  • Settlement Amount – $1,783
  • Percentage – 9.4% (Negotiation entity: original creditor)

Worst Settlement:

  • Current Claim – $4,563
  • Settlement Amount – $3,700
  • Percentage – 81.1% (Negotiation entity: original creditor)

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Monthly Settlement Statistics

January 15, 2009

For November, 2008:

  • Total Debt Settled – $549,307
  • Total Settlement Amount – $227,592
  • Settlement Percentage – 41.4%
  • Total Cases Settled – 85

Best Settlement:

  • Current Claim – $20,738
  • Settlement Amount – $2,500
  • Percentage – 12.1% (Negotiation entity: original creditor)

Worst Settlement:

  • Current Claim – $695
  • Settlement Amount – $556
  • Percentage – 80.1% (Negotiation entity: original creditor)

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Grateful Client

November 11, 2008

This letter is from a Provanta client who finished their debt settlement program.

Dear Sir / Madam:

I would like to send my appreciation  to all your staff in the Settlement Department for helping to solve my financial problems. All of your efforts has help to relief some of my stress.

Thank You.

Yours Truly 
Jane

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Weekly Settlement Statistics

November 11, 2008

Total for the week of November 3 – November 7, 2008:

  • Total Debt Settled – $53,032
  • Total Settlement Amount – $22,324
  • Settlement Percentage – 42.1%
  • Total Cases Settled – 10

Best Settlements:

  • Current Claim – $1,864
  • Settlement Amount – $506
  • Percentage – 21.7% (negotiated with a original creditor)

Worst Settlement:

  • Current Claim – $695
  • Settlement Amount – $556
  • Percentage – 80.1% (negotiated with an original creditor)

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Monthly Settlement Statistics

November 11, 2008

For October, 2008:

  • Total Debt Settled – $710,430
  • Total Settlement Amount – $294,084
  • Settlement Percentage – 41.4%
  • Total Cases Settled – 107

Best Settlement:

  • Current Claim – $9,225
  • Settlement Amount – $1,335
  • Percentage – 14.5% (Negotiation entity: original creditor)

Worst Settlement:

  • Current Claim – $1,053
  • Settlement Amount – $738
  • Percentage – 70% (Negotiation entity: original creditor)

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Weekly Settlement Statistics

November 11, 2008

Total for the week of October 27 – October 31, 2008:

  • Total Debt Settled – $205,243
  • Total Settlement Amount – $89,131
  • Settlement Percentage – 43.4%
  • Total Cases Settled – 31

Best Settlements:

  • Current Claim – $7,646
  • Settlement Amount – $1,033
  • Percentage – 13.5% (negotiated with a original creditor)

Worst Settlement:

  • Current Claim – $9,109
  • Settlement Amount – $7,287
  • Percentage – 80% (negotiated with an original creditor)

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How Would You Like $55k of Debt Settled for $8,400

October 15, 2008

Our client was overwhelmed with joy to hear that two of his major credit card accounts totaling $55,267.00 had been settled for a total of $8,400.00 only 15% of the amount owed.

Best of all, these were his last 2 accounts to be settled.

Congratulations on a fresh start for the New Year!

Ref. 1540

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Weekly Debt Free Clients

October 15, 2008

Total Debt Free Clients October 6 – October 10, 2008

  • Total Clients Debt Free -2
  • Total Debt Settled – $83,669
  • Settlement Amount – $19,999
  • Savings – $63,669
  • Average Percentage of Settlements – 32%
  • Average Program Length – 24 months
  • Best Settlement – 15%
  • Worst Settlement – 72%

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Weekly Settlement Statistics

October 15, 2008

Total for the week of October 6 – October 10, 2008:

  • Total Debt Settled – $180,544
  • Total Settlement Amount – $56,604
  • Settlement Percentage – 31.4%
  • Total Cases Settled – 23

Best Settlements:

  • Current Claim – $41,077
  • Settlement Amount – $12,000
  • Percentage – 29.2% (negotiated with a original creditor)
  • Current Claim – $26,477
  • Settlement Amount – $4,000
  • Percentage – 15.1% (negotiated with a original creditor)
  • Current Claim – $28,790
  • Settlement Amount – $4,400
  • Percentage – 15.3% (negotiated with a original creditor)

Worst Settlement:

  • Current Claim – $6,917
  • Settlement Amount – $4,150
  • Percentage – 60% (negotiated with an original creditor)

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Weekly Debt Free Clients

October 10, 2008

Total Debt Free Clients September 29 – October 3, 2008

  • Total Clients Debt Free – 1
  • Total Debt Settled – $23,755
  • Settlement Amount – $9,047
  • Savings – $14,707
  • Average Percentage of Settlements – 38%
  • Average Program Length – 72 months
  • Best Settlement – 28%
  • Worst Settlement – 60%

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Weekly Settlement Statistics

October 10, 2008

Total for the week of September 29 – October 3, 2008:

  • Total Debt Settled – $92,500
  • Total Settlement Amount – $42,919
  • Settlement Percentage – 46%
  • Total Cases Settled – 22

Best Settlement:

  • Current Claim – $1,886
  • Settlement Amount – $535
  • Percentage – 28.4% (negotiated with a original creditor)

Worst Settlement:

  • Current Claim – $1,055
  • Settlement Amount – $738
  • Percentage – 70% (negotiated with an original creditor)

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