Hi, I’m Anthony — the person who built Off the Minimum.
I’ve watched this industry from the inside, and I got tired of seeing people pay a settlement company 15–25% of their balance to make phone calls they were fully capable of making themselves.
So I wrote it down. Not the sanitized, “settle for pennies with no consequences” version every other guide sells — the actual playbook, risks included: what your credit takes, what a lawsuit really looks like, what the IRS thinks about forgiven debt. I put all three of those up front, before a single script, because a guide that hides the downside isn’t a guide. It’s a sales pitch.
Off the Minimum is educational material — not legal, tax, or financial advice, and I’m not a lawyer, CPA, or licensed financial advisor. I’m also not affiliated with any credit bureau, creditor, collections agency, or government agency. Everything here is the same process a paid settlement company would run for you, explained plainly enough to run yourself.
If you have questions about anything on this site, email me directly: support@offtheminimum.com.
— Anthony
