Frequently Asked Questions
EZ Financial Solutions LLC | "Credit Up. Money Up. Life Up."
General
Where is EZ Financial Solutions LLC located?
We are a 100% virtual company, so we serve clients nationwide — no matter where you are in the U.S., we canhelp you!
How do I get started?
Simply fill out our intake form for the service you're interested in, and a member of our team will follow up toschedule your consultation or onboarding. Everything is handled online — quick and easy.
How do I communicate with my consultant?
All communication is done virtually via phone, email, or our client portal. You'll always know exactly wherethings stand with your service.
What payment methods do you accept?
We accept all major debit and credit cards, Cash App, Zelle, and other digital payment methods. Paymentdetails will be confirmed at the time of booking.
Tax Preparation
What does tax preparation start at?
Our tax preparation services start at $350. The final price depends on the complexity of your return — such as whether you have multiple income sources, business income, deductions, or credits.
Do I have to pay my prep fee upfront?
In most cases, no! If you are receiving a federal refund, your preparation fee is deducted directly from your refund — so there is typically no money out of pocket upfront. If you owe taxes, payment is required upfront before we submit your return.
Do you offer cash advances on tax refunds?
Yes! We offer refund cash advances both before and after the IRS officially opens — based on your expectedfederal refund.
- 1. No credit check required — your advance is based on your refund, not your credit score.
- 2. Advances up to $9,500 — based on your estimated federal refund.
- 3. Available before IRS opens — you don't have to wait for tax season to officially begin.
- 4. Prep fees deducted from your refund — most clients pay nothing upfront.
Why does an unfamiliar account number show up on my tax forms?
This is one of the most common questions we receive — and it is completely normal! Here is exactly how therefund process works:
- 1. IRS processes your return and approves your refund.
- 2. The refund is sent to Refund Advantage, our trusted third-party bank partner — not directly to you. This is why you may see an account and routing number on your forms that does not belong to you. This is normal and expected.
- 3. Refund Advantage deducts our preparation fees from your refund amount first.
- 4. The remaining balance is released to you — deposited into your personal bank account or issued via check.
What documents do I need to file my taxes?
You'll typically need your W-2s or 1099s, Social Security numbers for yourself and any dependents, last year'stax return (if available), proof of any deductions (mortgage interest, childcare, donations, etc.), and bankaccount info for direct deposit of your refund.
Do you file taxes for self-employed individuals and business owners?
Yes! We work with W-2 employees, 1099/self-employed filers, sole proprietors, and small business owners. Nomatter your situation, we'll make sure your return is accurate and maximized.
How long does it take to get my return filed?
Once we receive all your documents, most returns are prepared and submitted within 2-5 business days. Turnaround may vary during peak tax season.
Credit Repair
How much does credit repair cost?
We are currently offering promotional pricing — $299 for one person and $499 for two people (such as a couple). This is a one-time flat fee, not a recurring charge.
How does the credit repair process work?
After you enroll and submit your intake form, we review your credit reports across all 3 bureaus — Equifax, Experian, and TransUnion. We then identify negative, inaccurate, or unverifiable items and submit dispute letters on your behalf. The bureaus have 30-45 days to respond to each dispute.
How long does credit repair take?
Results vary by client depending on the number of items being disputed and how quickly the bureaus respond. Most clients begin seeing changes within 30-90 days. We work consistently on your behalf until the process iscomplete..
Do I need to have credit monitoring?
Yes — clients are required to maintain an active monthly credit monitoring subscription throughout the process. We recommend signing up through one of our trusted partners: IdentityIQ — www.identityiq.com MyFreeScoreNow — www.myfreescorenow.com Both platforms monitor all 3 bureaus and give us the access needed to work on your file effectively.
Can you guarantee my credit score will improve?
No credit repair company can legally guarantee specific results, and we believe in being fully transparent withour clients. What we can guarantee is that we will work diligently to dispute every negative and inaccurate itemon your report and keep you informed every step of the way.
Bookkeeping & Accounting
What are your bookkeeping rates?
Our monthly bookkeeping service starts at $197/mo for solo entrepreneurs and freelancers (up to ~50transactions/month) and $397/mo for small businesses (up to ~150 transactions/month).
What does monthly bookkeeping include?
Each month you'll receive reconciled accounts, categorized income and expenses, and a financial summaryreport. Your books will always be organized, accurate, and tax-ready.
Do you work with large corporations?
At this time we specialize in serving solo entrepreneurs, freelancers, and small business owners. We want togive every client the focused attention they deserve.
Business Structure & Formation
What does your business formation service include?
Our business structure service starts at $299 and covers LLC formation guidance, state filing support, EINregistration, operating agreement setup, and a consultation on business banking and structure best practices.
Why do I need an LLC?
Forming an LLC separates your personal and business finances, protects your personal assets from businessliabilities, and establishes legitimacy for your brand. It also opens the door to business credit and fundingopportunities.
How long does it take to form an LLC?
Processing times vary by state, typically ranging from a few days to a few weeks. We'll walk you through everystep and keep you updated throughout the process.erve.
Funding
What does How does your funding service work?
We start with a $50 consultation where we assess your financial profile and identify the best funding optionsavailable to you — business or personal. If we successfully secure funding for you, a success fee of 10% of thetotal amount funded applies..
What types of funding do you help with?
We explore a range of options including business lines of credit, business credit cards, personal loans, andother funding sources based on your credit profile and business needs.
Is the $50 consultation fee refundable?
The $50 consultation fee is non-refundable. It covers the time and expertise invested in reviewing your profileand building your funding strategy regardless of outcome.
Do I need good credit to apply for funding?
Not necessarily. We work with clients at various credit levels and will identify the best funding options availablebased on where you are right now. Pairing our credit repair and funding services together can also significantlyimprove your funding potential over time.