About Us
Equity Mediation Services (EMS) is dedicated to providing effective, impartial, and efficient mediation solutions for small businesses and consumers. We understand that financial disputes can be stressful and time-consuming, often leading to costly litigation. At EMS, our mission is to help parties resolve their differences amicably, ensuring fair outcomes without the need for court intervention.
With a focus on equity, fairness, and transparency, our team of experienced mediators works diligently to bring all parties to the table, facilitating open communication and mutual understanding. We believe in the power of mediation to not only resolve disputes but also to preserve relationships and promote long-term cooperation.
Why Choose EMS?
Expertise
Our mediators are trained professionals with extensive experience in financial dispute resolution. We bring a deep understanding of the complexities involved in financial disagreements, ensuring that each party’s interests are carefully considered.
Efficiency
We know that time is of the essence in any dispute. Our streamlined mediation process is designed to reach resolutions quickly, allowing you to focus on your business or personal life without prolonged disruption.
Cost-Effective
Mediation is a more affordable alternative to litigation. By choosing EMS, you can avoid the high costs associated with legal battles, saving both money and time.
Fairness and Equity
At the core of our practice is a commitment to fairness. We strive to create solutions that are equitable for all parties involved, fostering resolutions that both sides can agree upon.
Let Us Help You!
Let us guide you through the mediation process, working together to find a solution that benefits everyone involved.
Services
At EMS, we don’t just resolve disputes—we build bridges to better understanding and cooperation. Whether you’re a small business looking to settle a financial disagreement or a consumer seeking a fair resolution, we’re here to help.
Debt Mediation Services. Facilitating negotiations between creditors and debtors to reach mutually agreeable repayment terms, avoiding the need for costly litigation and ensuring timely recovery of outstanding debts.
Payment Dispute Resolution. Resolving conflicts between businesses and clients over unpaid invoices or disputed charges, helping to maintain business relationships while securing payment and avoiding legal action.
Pre-Litigation Negotiation. Engaging in early-stage negotiations to resolve disputes before they escalate to formal litigation, saving time and legal costs for both parties by reaching an out-of-court settlement.
Contractual Dispute Mediation. Assisting businesses in resolving disagreements related to contract terms or performance, preventing breaches that could lead to litigation, and fostering long-term business relationships.
Collections Dispute Mediation. Mediating between collection agencies and debtors to settle disputes over debt collection practices, ensuring compliance with regulations while resolving issues amicably.
Civil Litigation Alternative Resolution. Offering alternative dispute resolution (ADR) services for parties involved in civil litigation, providing a pathway to settlement that avoids the time, expense, and uncertainty of courtroom battles.
How It Works
A clear and guided path to resolution—understanding our mediation process.
Provide us with a comprehensive list of the disputes you need resolved, including all relevant information and documentation. Our process begins with a thorough review of your case to understand the specifics and prepare for effective mediation.
Our experienced mediation team will reach out to the involved parties, initiating discussions and negotiations. We work diligently to find common ground and establish terms that are fair and acceptable to all parties involved.
Once an agreement is reached, we finalize the resolutions and provide you with a detailed report of the outcomes. If a resolution cannot be achieved through mediation, we will promptly return the list to you with recommendations for further legal processing.
Testimonials
Hear from clients who have found successful resolutions through our services.
"Equity Mediation Services truly saved my business. We were facing a major dispute with a long-time client over unpaid invoices, and litigation seemed inevitable. The team at EMS stepped in and handled everything professionally and efficiently. They negotiated a payment plan that satisfied both parties, allowing us to preserve the relationship and avoid costly legal fees. I highly recommend their services!"
Small Business Client
– Sarah L.
– Sarah L.
"We faced a significant challenge with a client who had accumulated a substantial balance and was unwilling to cooperate on repayment terms. Equity Mediation Services stepped in and mediated a solution that was beneficial for both parties. Their team was thorough, fair, and maintained open communication throughout the process. Thanks to EMS, we avoided the costly and lengthy process of litigation while recovering the owed amount."
Credit Card Lender
– David M.
– David M.
"As an installment loan provider, disputes over repayment terms can be challenging and time-consuming. Equity Mediation Services helped us resolve a complex case with a borrower who was struggling to meet their obligations. The EMS team negotiated a new repayment plan that satisfied both our business needs and the borrower’s financial situation. Their service was efficient, professional, and a real asset to our company."
Efficient service
– Malcom H.
– Malcom H.
Frequently Asked Questions
Got questions? We’ve got answers to help you understand the mediation journey
Consumer Questions
Mediation is typically less expensive, quicker, and more flexible than litigation. It also allows both parties to have more control over the outcome, rather than having a judge make the decision.
Litigation typically involves attorney, court and other fees which can sometimes substantially increase the amount due.
Litigation typically involves attorney, court and other fees which can sometimes substantially increase the amount due.
You don't need a lawyer to participate in mediation. Mediation is designed to be straightforward and accessible, so many people feel comfortable handling the process on their own.
If mediation doesn't result in an agreement, you still have the option to pursue other methods of resolution, such as going to court.
We try to work with both parties to avoid this outcome as it proves to be considerably more time consuming and financially expensive.
We try to work with both parties to avoid this outcome as it proves to be considerably more time consuming and financially expensive.
The cost of mediation varies based on the complexity of the dispute and the time required. Costs are typically absorbed by the client and will be more cost-effective than litigation.
Mediation is most successful when both parties are willing to participate in good faith. However, even if the other party is initially resistant, the mediator’s role is to facilitate constructive dialogue and encourage cooperation. If the other party refuses to engage, other resolution options may need to be considered.
If you refuse mediation and are sued in court, several consequences may arise:
Court Sanctions: Courts can impose sanctions for refusing to mediate, such as fines or covering the other party's legal fees.
Lost Opportunities: Refusing mediation may forfeit opportunities to resolve the dispute more quickly and cost-effectively compared to litigation.
Court Proceedings: You'll proceed to litigation, where court proceedings involve formal legal processes, potentially leading to higher costs and longer resolution times.
Outcome Uncertainty: Litigation outcomes are decided by a judge or jury, which may result in a less predictable outcome compared to mediated settlements.
It's generally advisable to consider mediation as it can offer a less adversarial and more flexible approach to resolving disputes.
Court Sanctions: Courts can impose sanctions for refusing to mediate, such as fines or covering the other party's legal fees.
Lost Opportunities: Refusing mediation may forfeit opportunities to resolve the dispute more quickly and cost-effectively compared to litigation.
Court Proceedings: You'll proceed to litigation, where court proceedings involve formal legal processes, potentially leading to higher costs and longer resolution times.
Outcome Uncertainty: Litigation outcomes are decided by a judge or jury, which may result in a less predictable outcome compared to mediated settlements.
It's generally advisable to consider mediation as it can offer a less adversarial and more flexible approach to resolving disputes.
If you received a letter from EMS, this means a creditor you had an account with has closed your account and contracted us for assistance in finding a resolution to the balance. You will need to work with EMS, not your original creditor, to resolve your account balance.
EMS empowers consumers by creating payment plans that work for them. We have helped thousands of consumers work toward improved financial health.
EMS empowers consumers by creating payment plans that work for them. We have helped thousands of consumers work toward improved financial health.
Not all accounts appear on your credit report, but that doesn't mean they aren't valid or that you don't owe them. There are several reasons why an account might not show up:
Reporting is Voluntary: Credit reporting is not mandatory. Lenders and creditors choose whether to report your account information to the credit bureaus (Equifax, Experian, and TransUnion). Some smaller lenders or companies, like certain utility providers or medical offices, may not report to credit bureaus at all.
Type of Account: Certain types of accounts, such as payday loans, some installment loans, or utility services, may not be reported to credit bureaus, even though they are valid debts. Some accounts might only be reported to one or two of the three major credit bureaus, so they might appear on one credit report but not another.
Errors or Omissions: Occasionally, there could be errors or omissions in credit reporting. A creditor might fail to report an account or report it incorrectly, which could result in the account not showing up on your report.
Even if an account doesn’t appear on your credit report, it’s still a valid account, and you are responsible for paying any outstanding debts associated with it. If you have questions about a specific account,contact us for more information.
Reporting is Voluntary: Credit reporting is not mandatory. Lenders and creditors choose whether to report your account information to the credit bureaus (Equifax, Experian, and TransUnion). Some smaller lenders or companies, like certain utility providers or medical offices, may not report to credit bureaus at all.
Type of Account: Certain types of accounts, such as payday loans, some installment loans, or utility services, may not be reported to credit bureaus, even though they are valid debts. Some accounts might only be reported to one or two of the three major credit bureaus, so they might appear on one credit report but not another.
Errors or Omissions: Occasionally, there could be errors or omissions in credit reporting. A creditor might fail to report an account or report it incorrectly, which could result in the account not showing up on your report.
Even if an account doesn’t appear on your credit report, it’s still a valid account, and you are responsible for paying any outstanding debts associated with it. If you have questions about a specific account,contact us for more information.
With our convenient online customer portal, you can set up a payment plan without speaking to a mediation agent. By logging into your account, you can review account details and even arrange a payment plan that fits your budget.
Business Questions
The outcome of mediation can be made legally binding if both parties agree to formalize the settlement in writing. This provides peace of mind that the terms will be upheld.
Mediation is typically faster, less adversarial, and more cost-effective than traditional debt collection methods or litigation. It allows for creative solutions that can be tailored to the specific needs of all parties involved, often leading to better outcomes and preserved business relationships.
While mediation is most effective when all parties are willing to participate, we can still attempt to engage the debtor through various communication methods. If the debtor refuses to participate, we’ll advise you on other potential steps, such as legal action or alternative collection strategies.
The cost of mediation varies depending on the complexity of the dispute and the time required. However, mediation is generally more cost-effective than litigation or extended collection efforts. We provide transparent pricing and can offer an estimate based on your specific needs.
To get started, simply contact us to discuss your situation. We’ll guide you through the initial steps, including gathering the necessary documentation and explaining how the mediation process will work for your specific disputes. From there, we’ll work with you to resolve the issue efficiently and effectively.