Signing a Personal Guarantee Could Give Your Partner an STD.
Sexually transmitted debt. It happens when your partner co-signs a business loan without fully understanding the exposure. The family home, joint accounts, and personal credit could all be on the line. There may be a structured way to reduce that risk.
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Protect Your Home. Protect Your Family.
CreditShield is a family wealth protection package developed by Small Business Reboot. It's designed to help reduce creditor leverage on your property — before they act on it.
How CreditShield Works
CreditShield registers a second mortgage on your property title — behind your bank. This creates a real, recorded interest that is time-and-date stamped on title. Because it's registered, most later creditors sit behind it in the order of payment. The result: the "available equity" other creditors believe they can access may be reduced, which can shift the dynamic from aggressive recovery toward negotiation.
- ✓ Registered on your property title — a real recorded creditor, not just paperwork
- ✓ Time-and-date stamped, so most later creditors sit behind it in payment order
- ✓ May reduce the "available equity" visible to other creditors
- ✓ The structure may influence how creditors assess their recovery options
- ✓ Can be put in place quickly with supporting security documents
- ✓ Holds assets for the benefit of your intended beneficiaries — your direct lineage
CreditShield does not constitute legal advice. The effectiveness of any asset protection strategy depends on individual circumstances including timing and the nature of debts involved. Independent legal advice is recommended. For specific legal advice relating to CreditShield documents, contact Abbott & Mourly Lawyers.
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How CreditShield Is Put in Place
The process is structured, documented, and can be established quickly.
Exposure Review
We assess your personal guarantees, property ownership, and creditor risk profile.
Net Equity Calculation
Your assets are valued less any existing mortgages or liabilities to determine the protection scope.
Trust & Mortgage Structure
A Family Protection Trust is established and a second mortgage is registered on your property title.
Protection in Place
The registered interest reduces visible equity, creating a structural position ahead of later creditors.
