0001678727-16-000011.txt : 20160923
0001678727-16-000011.hdr.sgml : 20160923
20160922184618
ACCESSION NUMBER: 0001678727-16-000011
CONFORMED SUBMISSION TYPE: 1-A/A
PUBLIC DOCUMENT COUNT: 5
FILED AS OF DATE: 20160923
DATE AS OF CHANGE: 20160922
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: WEB DEBT SOLUTIONS, LLC
CENTRAL INDEX KEY: 0001678727
STANDARD INDUSTRIAL CLASSIFICATION: SERVICES-CONSUMER CREDIT REPORTING, COLLECTION AGENCIES [7320]
IRS NUMBER: 464813386
STATE OF INCORPORATION: TX
FISCAL YEAR END: 0214
FILING VALUES:
FORM TYPE: 1-A/A
SEC ACT: 1933 Act
SEC FILE NUMBER: 024-10580
FILM NUMBER: 161898454
BUSINESS ADDRESS:
STREET 1: 444 W LAKE DR
STREET 2: #305
CITY: CHICAGO
STATE: IL
ZIP: 60606
BUSINESS PHONE: 6166499149
MAIL ADDRESS:
STREET 1: 444 W LAKE DR
STREET 2: #305
CITY: CHICAGO
STATE: IL
ZIP: 60606
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WEB DEBT SOLUTIONS, LLC
TX
2014
0001678727
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444 W. LAKE ST
SUITE 305
CHICAGO
IL
60606
6166499149
Stephanie Izevbizua
Other
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PART II AND III
2
PRELIMINARY.txt
PT. II
Preliminary OFFERING CIRCULAR
Cover Page
In accordance to Regulation Form 1-A
WEB DEBT SOLUTIONS, LLC WBSO
4812 CRUSE RD
HOUSTON, TX, 77016
WWW.WEBDEBTSOLUTIONS.COM
06/15/2016
Item 1:
(a) Web Debt Solutions, LLC, a company
which is seeking to offer equity to
shareholders and the public as an Initial Public
Offering at a rate of $49.00/share.
(h) Risk factors section is listed as
follows: Table of Contents
(i) The approximate day of commencement of
proposed sale to the public is July
20th, 2016.
(j) As stated in Part I, item 4 that 5
million securities at a per security of $49
being offered by issuer (WEB DEBT SOLUTIONS, LLC),
brings the product to a
total offering of $245 million. Amendments were
made to continue to be eligible
for the FORM 1-A was to reduce the amount of
securities from 5 million to
408,613 to bring the total amount of the
offering to $20 million.
TABLE OF CONTENTS
1. Cover Page Part II Item 1 First Page
2. Table of Contents Part II Item 2
Second Page
3. Summary and Risk Factors
Part II Item 3 Third Page
4. Dilution Part II Item 4
Fourth Page
5. Plan of Distribution and Selling
Security Holders
Part II Item 5 Fifth Page
6. Use of Proceeds to Issuer
Part II Item 6 Sixth Page
7. Description of Business Part II Item 7
Seventh Page
8. Description of Property Part II Item 8
Eighth Page
9. Management's Discussion and Analysis of
Financial Condition and Results of Operations
Part II Item 9 Ninth Page
10. Directors, Executive Officers and
Significant Employees
Part II Item 10 Tenth Page
11. Compensation of Directors and Executive
Officers
Part II Item 11 Eleventh Page
12. Security Ownership of Management and
Certain Security holders
Part II Item 12 Twelfth Page
13. Interest of Management and Others in
Certain Transactions
14 Securities Being Offered
15. Part F/S
Part II
Part II
Part II
Item 13
Item 14
Item 15 Subsection: (a)
Thirteenth Page
Fourteen Page
General Rules
Fifteen Page
16. Financial Statements for Tier 1 Offerings
Part II
Item 15:
Subsection: (b)
Sixteenth Page
17. Index to Exhibits
Part III
Item 1
Seventeen Page
18. Description of Exhibits
Part III
Item 17
Eighteenth Page
19. Signatures
Part III
Last Page
Summary and Risk Factors
(a)
The Primary Goal in offering the Initial Public
Offerings under Tier 1 Offerings is to
raise working capital to expand and grow business
to lead the industry. Being that this is
the first Tier 1 being offered as an IPO for Web
Debt Solutions, LLC, the time frame
would be one year in getting the funds raised for
Company.
(b)
1. The industry of Debt Collections is
considered "high risk" but Web Debt
Solutions, LLC has been able to overcome all
obstacles and stand as the startup
company from 2014 to 2016 to generate revenues.
Though this is a risk factor,
Web Debt Solutions, LLC has hundreds of clients
worldwide that even having
15,000,000 shares available for purchase would
not be enough. It was noted that in
Form 1-A at Item 3, it was checked both of the
boxes regarding "bad actors". This
mark was corrected to only have the first box
checked in regards to "bad actors"
stating: Check this box to certify that, as of
the time of this filing, each person
described in Rule 262 of Regulation A is either
not disqualified under that rule or
is disqualified but has received a waiver of
such disqualification. Revisions have
been made to correct this. Revisions to the
filing have been made to include risk
factors that make this offering speculative or
substantially risky. Being that the
field of practice is Debt Collections in the
Financial Services sector makes this,
One: a "risky" field for many businesses and
investors. Second, the Debt
Collection field is a $500-Billion-dollar
industry and only 3% of the companies
worldwide make up 90% of this percentage.
That alone makes Web Debt
Solutions, LLC a high risk company being that
for the last 2 years the average net
revenues have exceeded over $450,000,000 putting
the company in the top 10% of
the leading industry.
It was stated incorrectly that "the only risk that
could never become an issue for Web
Debt Solutions, LLC would be the expense of going
forward in becoming a public
company." There are no risks associated with the
expenses of the company possibly
going public, and revisions have been made to
remove this from the offering
statement.
ITEM 4
DILUTION
It was stated that the price of the securities is $49,
and a portion of the aggregate
offering price attributable to securities being
offered on behalf of the Web Debt
Solutions, LLC is $10 and the portion attributable
to securities offered on behalf of selling
security holders is $3 for a total offering of $13.
This total is below the per security price
referenced above. This was corrected to disregard
any aggregated offering price
attributable to securities being offered on behalf
of Web Debt Solutions, LLC. There is no
aggregated offering price. Revisions have been made
to remove the $10 an and the $3.
Amendments have been made in regards to offerings being
made in several states through
underwriters. Underwriters are not being used in any portion
of this offering therefore is has been
revised to remove the indication that there are securities
being offered in any state through
underwriters as required by Form 1-A. 12.
There will be Preemptive Rights Protection to help protect
those who purchase and have ownership
with the company. A preemptive right is a privilege that may
be extended to certain shareholders
of a corporation that grants them the right to purchase
additional shares in the company prior to
shares being made available for purchase by the general
public in the event of a seasoned offering,
which is a secondary issuing of stock shares. A preemptive
right, also referred to as preemption
rights, anti-dilution provisions or subscription rights,
is written into the contract between the stock
purchaser and the company, although a few states grant
preemptive rights as a matter of law
unless specifically negated in a company's articles of
incorporation.
Item 5
PLAN OF DISTRIBUTION AND SELLING SECURITYHOLDERS
(g)
A more in depth description of how the price within
the groups of purchasers will be
determined are:
Of the 408,163 shares to be issued, 5% or 20,430
will be set aside exclusively for the
Board of Directors to make a purchase per share at
$35 each and the other 95% or
388,183 will be for the public and will be available
for purchase at a set price of $49.
The shares made available for public will be listed
on the World Wide Stock Exchange
using NASDAQ.
A comparison of the public contribution under the
proposed public offering and the
average effective cash contributions of the company's
affiliates will be as follows:
Public Contribution- 388,183 shares available @
$49/share will be $19,020,000 as
compared to the company's affiliates- 20,430 shares
available @ $35/share will be
$715,050.
Item 6
Use of proceeds to issuer
The principal purpose for which the net proceeds
to the issuer from the securities to be
offered are intended to be used for: approximate
amount
1. Expansion and to open new offices worldwide
$5,000,000 to $8,000,000
2. New Start Ups/Subsidiaries $2,000,000
to $3,000,000
3. Advertising and Marketing $1,500,000
4. To better trade on a larger scale
$2,000,000
5. % to be distributed to Company owner and affiliates
$2,000,000
And the remaining will be put in a interest bearing
account an equity account for Web
Debt Solutions, LLC.
Item 7
Description of business
The term 'Collection Agency' is defined as
a business that pursues payments of
debts owed by individuals or businesses. Most
collection agencies operate as agents of
creditors and collect debts for a fee or percentage
of the total amount owed. There are
many types of collection agencies. First-party
agencies are often subsidiaries of the
original company the debt is owed to. Third-party
agencies are separate companies
contracted by a company to collect debts on their
behalf for a fee. Debt buyers purchase
the debt at a percentage of its value, then attempt
to collect it. Each country has its own
rules and regulations regarding them. Web Debt Solutions,
LLC will operate primarily as
a third party agency, but will also act as a first party
agency for clients who do not
perform in-house collections but have not charged off
debts of a customer or business.
Debt buying will also be performed in the event
client is offering portfolios for sale for a
percentage or fee to relieve them from the duty of
being a beneficiary of the debtors
account or invoice. Due to industry market every
changing in accordance to economic
development, the company will be safe to generate
revenue and sales despite a recession
or a surplus economic state. In collections, it
is a necessary for all clients, vendors, and
customers due to world of "Credit." Credit is the
trust which allows one party to provide
money or resources to another party where that
second party does not reimburse the first
party immediately (thereby generating a debt),
but instead arranges either to repay or
return those resources (or other materials of equal
value) at a later date. The resources
provided may be financial (e.g. granting a loan),
or they may consist of goods or services
(e.g. consumer credit). Credit encompasses any
form of deferred payment. Credit is
extended by a creditor, also known as a lender,
to a debtor, also known as a borrower.
The proposed approach in getting this
done would be: Negotiating the contract
terms with client, fees between vendor and client
will be due 10 days upon an agreed and
signed contract. Once the transmission of accounts/
invoices are sent, then the
accounts/invoices will then be sent to the IT and
COO and "scrub" the accounts for new
contact information. Being that these are student
loan accounts and Perkins cohort
accounts these will be the basic operations would
be for the company's sales team or the
CEO to establish contact with a potential client.
Upon establishing a business
relationship and interest of all agreeable parties,
a NDA or Non-Disclosure Agreement
(better known as a confidentiality agreement) is
signed by all interested parties. This
creates a confidential relationship between the
parties to protect any type of confidential
and proprietary information or trade secrets. As
such, an NDA protects nonpublic
business information. The collections attorney will
oversee this entire process until the
receipt of accounts from person(s) or businesses to
the company for collections on debts.
Once terms of a contract are established, potential
client may or may not request an
onsite visit to ensure securities and other precautionary
measures are met upon
placements of accounts. If this is required, a meeting
with the executive officers, IT's,
managers, and attorneys will take place with potential
client to get all interested parties
better acclimated in order to proceed with agreed terms
of contract. Terms of contract
will vary depending on client, needs, time, date, number
of placements, and other
variables that will customize the contract with all
interested parties with the company.
The collection attorney will oversee this process,
draft, and approve contracts with
clients, their attorney (if applicable), and executive
officers of Web Debt Solutions, LLC.
Upon signatures of all interested parties, transmissions
of funds for the fee company will
charge (if applicable) must be received before the
recovery process can start. If in the
event the agreement is for debt purchase, the amount
that was agreed and approved by all
interested parties will be transmitted to person(s) or
business that is relinquishing debts
for purchase. If the contract is for contingency work,
the accounts will be transmitted in
an approved manner that will be compatible with agreed
parties technical support and
software. Information(s) will be loaded unto company's
database whether contingent or
purchased inventory. This will be done by IT's, then a
"scrub" will be performed to
update debtor(s) information to ensure proper methods of
reaching parties are performed
at a high rate of contact. Then upon approval of executive
management, the inventory are
sent letters according to the laws of each debtor(s)
state for validation of debt and
disputes. Once completed, in accordance with federal,
state, and local laws and
regulations, the company will send letters to have
customers and consumers validate the
debt with 30 days to do so. After 2 days after the
letter has gone out, the inventory is then
distributed to collectors according to knowledge,
skill, and type of products.
Work plan: Highly trained and acknowledgeable
staff have worked with secured
and unsecured loans these along with overdraft bank
accounts with major banks and
credit union such as Navy Credit Union, Wells Fargo,
and Bank of America. Also
understanding that procedures between credit unions
and banks vary and have
specialized collectors in only one field or the other
working credit unions or banks.
To have a manual team dedicated in working
strictly to collect on secured,
unsecured loans, overdraft bank accounts, judgements,
liens, bankruptcies, credit cards,
and auto deficiencies sets us apart from so many agencies
who will have their collectors
working multiple portfolios at one time unable to specialize
in what clients request from
both credit union members and the vendors collecting
for them. They will adhere to
specific guidelines of the client (AERO Federal Credit
Union), the company, the
interstate laws, and compliance in the recovery of the
accounts/invoices. Accounts will
be called be called daily, weekly, and monthly per what
is permitted by law and per
client regulations. The balance in full will always be
demanded first. A letter will follow
10 days out upon validation of debt demanding balance
in full. The 'Balance in Full'
letters will follow every 20 days out. Once contact is
made with the consumer then will
be demanded, if it cannot be reached then a complete
assessment will be taken by
collector about the debtor's finances. Upon review a
determination will be made if debtor
has means of paying account in full at that time or
over a period of time. A payment
arrangement can be made if that is the best arrangement
that can be made for the debtor.
If a settlement is requested, it must be approved by
management and must be in
compliance with client guidelines.
The methodologies employed to conduct for these
collection services are:
Negotiating the contract terms with client, fees
between vendor and client will be
due 10 days upon an agreed and signed contract. Once
the transmission of
accounts/invoices are sent, then the accounts/invoices
will then be sent to the IT and
COO and "scrub" the accounts for new contact information.
Being that these are student
loan accounts and Perkins cohort accounts these will
be the basic operations would be
for the company's sales team or the CEO to establish
contact with a potential client.
Upon establishing a business relationship and interest of
all agreeable parties, a NDA or
Non-Disclosure Agreement (better known as a confidentiality
agreement) is signed by all
interested parties. This creates a confidential relationship
between the parties to protect
any type of confidential and proprietary information or trade
secrets. As such, an NDA
protects nonpublic business information. The collections
attorney will oversee this entire
process until the receipt of accounts from person(s) or
businesses to the company for
collections on debts. Once terms of a contract is established,
potential client may or may
not request an onsite visit to ensure securities and other
precautionary measures are met
upon placements of accounts. If this is required, a meeting
with the executive officers,
IT's, managers, and attorneys will take place with potential
client to get all interested
parties better acclimated in order to proceed with agreed
terms of contract. Terms of
contract will vary depending on client, needs, time, date,
number of placements, and
other variables that will customize the contract with all
interested parties with the
company. The collection attorney will oversee this process,
draft, and approve contracts
with clients, their attorney (if applicable), and executive
officers of Web Debt Solutions,
LLC. Upon signatures of all interested parties, transmissions
of funds for the fee
company will charge (if applicable) must be received before
the recovery process can
start. If in the event the agreement is for debt purchase,
the amount that was agreed and
approved by all interested parties will be transmitted to
person(s) or business that is
relinquishing debts for purchase. If the contract is for
contingency work, the accounts
will be transmitted in an approved manner that will be
compatible with agreed parties
technical support and software. Information(s) will be
loaded unto company's database
whether contingent or purchased inventory. This will
be done by IT's, then a "scrub"
will be performed to update debtor(s) information to
ensure proper methods of reaching
parties are performed at a high rate of contact. Then
upon approval of executive
management, the inventory is sent letters according to
the laws of each debtor(s) state for
validation of debt and disputes. Once completed, in
accordance with federal, state, and
local laws and regulations, the company will send
letters to have customers and
consumers validate the debt with 30 days to do so.
After 2 days after the letter has gone
out, the inventory is then distributed to collectors
according to knowledge, skill, and type
of products. Accounts will be worked manually by
collectors meaning they will
physically call debtor(s) for collecting of the accounts.
Accounts will be called be called
daily, weekly, and monthly per what is permitted by law
and per client regulations. The
balance in full will always be demanded first. A letter
will follow 10 days out upon
validation of debt demanding balance in full. The Balance
in Full letters will follow
every 20 days out. Once contact is made with the consumer
then will be demanded, if it
cannot be reached then a complete assessment will
be taken by collector about the
debtor's finances. Upon review a determination will
be made if debtor has means of
paying account in full at that time or over a period
of time. A payment arrangement can
be made if that is the best arrangement that can be made
for the debtor. If a settlement is
requested, it must be approved by management and must
be in compliance with client
guidelines.
The collection agency industry is highly competitive
with over 120,000 agencies and
people working in the industry. Demand for collections
services is driven by the volume
of financial transactions and by the health of the economy.
The profitability of individual
companies depends largely on efficiency of operations.
Large companies enjoy
economies of scale in their ability to buy receivables
portfolios. Small companies can
compete successfully by providing superior customer
service. The US industry is
fragmented: the 50 largest companies account for about
45 percent of revenue.
Some key competitors in the industry that the company
would be up against are: Major
companies include Encore Capital Group, GC Services,
iQor, NCO Group, Portfolio
Recovery Associates, and STA International (all based
in the US) as well as First Collect
International (UK) and NTT Finance (Japan). Given the
fact that the owner of the
company, Stephanie Izevbizua, has worked for 3 of the
top 50 major competitors in the
collection agency industry for over 13 years, Web Debt
Solutions, LLC has an 'upper
hand' as far as customer satisfaction, well balanced
agency, that can provide a long and
sturdy client base coming from all backgrounds, nationalities,
and countries to sustain the
company for years to come.
The main operations: The company's primary duty
as a collection agency is to
recover and collect delinquencies from debtors and
businesses that would be deemed non
collectable by client, vendor, or any person(s) or
businesses that extends any form of
credit, and to purchase any debts by person(s) or
business that offers accounts for sale to
relieve original creditor duties of recovering debts.
Item 8
Description of Property
The first official office was opened in March 13,
2015 in
444 W Lake St SUITE #305
CHICAGO, IL, 60606.
A sophisticated exterior and interior design will
complement the extraordinary views of
the Chicago River, Wacker Drive and the Chicago
Central Business District. The project
includes 1.5 acre landscaped plaza, park & and river
walk along the Chicago River.
Convenient access to public transportation with
access to two METRA Train Stations,
multiple bus routes and CTA elevated lines.
Amenities include a caf, 24-hour lobby
security desk, conference center, fitness center,
and a 24-hour ATM. Underground
Parking available on three levels with 24/7 access
for 160 cars. Registered with U.S.
Green Building Council and is pre-certified LEED-CS
Gold.
With close to 25,000 sq feet of space this allows
for a full call center space that holds
over 200 employees. For now about 10,000 sq feet
of the space has been utilized, thus the
reason for the Tier 1 Offering so that the office
and business can expand and bring in
more clients, employees, and customers.
Item 9
Management's discussion and analysis of
financial
condition and results of operations
(a)
Being that Web Debt Solutions, LLC started in
2014 with the owner already 15 years in
the industry, the company started off in a
gross profit from the 1st and 2nd month.
Originally starting up doing debt purchasing
and 3rd party collections for some of the
major and minor clients such as: Regions Bank,
Yonkers Teachers Federal Credit Union,
and Centura Urgent Care. Working in an industry
that has a mixture of many forms of
issuance of credit, collecting debt on delinquencies
can prove to be a task depending on
the type of client, age, amount, and other specific
factors. With this, it changes the sales
that come in, revenues produced, and of course affects
the operations of the company
from year to year. To get a better understanding of
the company from an investors point
of view: The operations of the company, Web Debt
Solutions, LLC is one to be quite
diverse and detailed to explain the full operations
from start to finish from each
department in making up the whole of the collection
agency. The collection attorney,
which a necessity to act as a legal representation
to ensure that the company is protected
in a legal manner, ensuring that company is safe
free from all forms of litigation and fines
from the interstate commerce, clients, vendors, and
customers. In the event a mishap
takes place, the attorney will represent the company
in taking action to keep fines, costs,
losses, disputes, or damages against the company to
minimum. Due to regulatory laws
ever changing, the company's collection attorney will
safeguard and continually update
company is regards to these changes, and interacting
with compliance manager ensuring
every employee of the company is tested and certified
that they are knowledgeable and
adhere to the changes of rules, laws, and regulations.
Per the Annual income statement from 2014 and
2015, the revenues increased
from the very beginning of Web Debt Solutions. LLC.
The revenues grossed in 2 months
alone was over $3,643,000. Being that the owner has
15 years of experience in the
industry, the move from another company to a start
up with the continuance of clients and
customer base made it fairly smooth to transition
over.
Being that the company is 1st, 3rd. party and also
does debt purchasing and a
startup, Web Debt Solutions, LLC has some liquid
able assets that has a valuation will
over $15,000,0000. In terms of short term liquid
ability, having equity stock with the
company can and will generate more revenue and
help increase the value of the company.
(d) The biggest trend right now with the company
is that in the last quarter, more clients
tend to drop more business, making the last quarter
usually the highest months of
revenues generated.
Item 10
DIRECTORS, EXECUTIVE OFFICERS, AND SIGNIFICANT
EMPLOYEES
NAME:
POSITION:
AGE:
TERM OF
OFFICE
Approximate
hours per week for
part-tiime
emplouees
EXECUTIVE
1. DIRECTOR
1. 31
1. 4 YEARS
FULL TIME (75
OFFICERS:
1.STEPHANIE
IZEVBIZUA
OWNER/CEO/CFO/COO
DIRECTOR
HOURS/WEEK)
2. ELIZABETH
2.43
2. 4 YEARS
PART
ROSE
2.ACCOUNTANT
TIME/FULL
DIRECTOR
TIME (35-45
HOURS//WEEK)
3. DIRECTOR
PART
3.MARIAH
3. 54
3.3 YEARS
TIME/FULL
WELLINGTON
TIME (35-45
HOURS/WEEK)
DIRECTORS:
ALL OFFICERS
ALL OFFICERS
ALL
OFFICERS
ALL
OFFICERS
ALL OFFICERS
SIGNIFICANT
EMPLOYEE:
1.CHRIS DEAN
1.DIRECTOR/
GENERAL MANAGER
FOR SALES AND
MARKETING
1. 42
1. 3 YEARS
1.PART
TIME/FULL
TIME (30-45
HOURS/WEEK)
1. STEPHANIE IZEVBIZUA started the company in
Dec. 2012 but made it an LLC in Feb 10, 2014. She
is the CEO and Owner of Web Debt Solutions, LLC.
* -Has worked directly with American Express,
Bank of America, Chase, and Wells Fargo.
* -Has lifted a company that only grossed
$4 million a month to over $20 million a month in 5
years.
* -Contracted a multi million dollar deal
with the largest oil company in Texas in 1 month.
2. Elizabeth Rose started working for Web
Debt Solutions in Dec of 2012. Being she is a
certified accountant, she became the company's
ACCOUNTANT to oversee all financial
transactions between the company and clients.
* Prepared federal and state tax returns for
over 200 of Individuals, 30 of partnerships, and 25 of
corporations annually
* Researched inbound international tax issues
for clients, such as NRA investment for US
properties
* Worked on compilation and review reports
including compiling financial statements
* Performed an operational audit of internal
control resulting in improved controls and
operating efficiencies
3. Mariah Wellington started working for Web Debt
Solutions, LLC in Oct. of 2013 and
quickly became the DIRECTOR running the operations
of the company on a quicker
and resourceful scale.
* Focused leader, recognized for delivering
superior results.
* Well qualified executive with over 20 years
of experience managing high level
corporate operations.
* Articulate communicator, capable of building
lasting relationships with senior
management of clients, partners and vendors.
* Visionary, with track record for finding
innovative ways to grow revenue and
increase margins.
* Experienced in the negotiation of high level
contracts.
* Well versed in presentations, accustomed to
addressing clients, vendors, partners,
shareholders and corporate board of directors.
* Managed multi-million dollar budgets with
full P&L responsibility.
4. Chris Dean started working for Web Debt Solutions,
LLC in Feb 2014 right when the
office launched. Being highly knowledgeable in sales,
marketing, and a background
knowledge of debt collections, he has proven by
driving up revenues over the last 4
quarters above expectations.
* Advanced through a series of promotions,
culminating in oversight of group copy
division and 6-member creative team.
* Created concept and copy for journal ads,
direct mail campaigns and sales
collateral for diverse clients and projects.
* Selected Accomplishments:
o Served as primary copywriter on advertising
campaigns for multimillion-
dollar accounts and successful product launches.
o Assumed a lead role in pitch team meetings
due to strengths in presentation
and negotiation skills, and helped close major
accounts ($500K to
$1M+ initial contracts).
o Generated campaign response-rates of between
6% and 8% (up to 4 times the
industry average).
ITEM 11
COMPENSATION OF DIRECTORS AN EXECUTIVE OFFICERS
NAME
CAPACITIE
S IN WHICH
COMPENSA
ION WAS
RECEIVED(
CEO
DIRECTOR)
($)
CASH
COMPENSATI
ON
($)
OTHER
COMPENS
ATION
($)
TOTAL
COMPENSATION
($)
1.STEPHANIE
1. $9,680,000
1. $7,260,000
1. $2,420,000
1. $9,680,000
IZEVBIZUA
2.ELIZABETH
ROSE
2. $1,694,000
2. $480,000
2. $125,000
2. $2,299,000
3. MARIAH
3 $2,170,000
3. $350,000
3. $200,000
3. $2,720,000
WELLINGTO
N
*the average for bonus and commissions for 2014/2015
The compensation that is listed above in the table
shows what each executive officer made as an
average in 2014 and 2015 as a bonus and commissions.
The salaries for each officer are broken
down into:
1. CEO-$400,000
2. CFO- $250,000
3. COO- $250,000
4. GENERAL MANAGER/DIRECTOR $125,000
Doing this Tier 1 Offering would slightly increase
bonuses across the board depending on how
well the IPO's sell, though the % would only increase
by 0.00250.
ITEM 12
SECURITY OWNERSHIP OF MANGEMENT AN CERTAIN
SECRURITY HOLDERS
EXECUTIVE OFFICERS and directors as a group, inially
naming each director
officer who
(1) All beneficially owns more than 10% of any
class of the issuer's voting
securities:
(a) Stephanie Izevbizua
TITLE
OF
CLASS
NAME AND
ADDRESS
OF
BENEFICIAL
OWNER(1)
AMOUNT
AND
NATURE OF
BENEFICIAL
OWNERSHIP
AMOUNT AND
NATURE OF
BENEFICIAL
OWNERSHIP
ACQUIRABLE(2)
PERCENT
OF
CLASS (3)
CLASS A
STEPHANIE
IZEVBIZUA
4812 CRUSE ST
HOUSTON, TX
77016
$20,000,000
Tier 1
Offering
$20,000,000
Equity/Stocks
100%
Item 13
INTEREST OF MANGAGEMENT AND OTHERS IN CERTAIN
TRANSACTIONS
(a) Some of the transactions and current proposed
transactions during We b Debt Solutions, LLC
last two completed fiscal years which the issuer
has amounts that exceeds $50,000 would be
1. The start up cost for the Web Debt
Solutions, LLC- $2,700,000
(1a) STEPHANIE IZEVBIZUA- OWNER AND CEO
2. Supplies and furniture for Web Debt
Solutions, LLC- $1,500,000
3. The Company Property-$1,500,000
4. Filing fees and taxes- $36,687,200
(1a)
Item 14
SECURITIES BEING OFFERED
(a) Capital stock (equity) is being offered for the
Tier 1 Offering. The title of the class is Class A
Mutual Funds Share.
(i) Dividend rights- @ the time of closeting
dates prior to distribution, shareholders must have
acquired shares of 25% of acquired stock (12.50)/dividend
for 2 years
(ii) voting rights- corporate actions or issuance
cannot disparency reduce or restrict the vote right
of existing shareholders given to existing shareholder.
(iii) he Liquidation rights is to have the rights to
liquidate or sell equities or shares not to exceed
60% of current price.
(iv) Preemptive rights- are for shareholders: it
will protect them from dilution and give rights to
dividend and voting power.
(v) The Conversions Rights- which will be given to
shareholders also refers to the shareholder's
ability to convert the preferred shares into common shares.
Conversion rights are important as
they affect the calculation of other rights of shareholders.
Most calculations use the number of
outstanding shares "on an as-converted basis".
(vi)The redemption provisions will happen when the
corporation can forcibly call the shares for
cash. Call provisions include the call date, which
is the first date on which the corporation
can redeem the shares.
(viv) The sinking fund provision allows shareholders
repay funds that were borrowed through
a bond issue.
(viii) the liability to further calls or to
assessment: N/A
(ix) any classification of the board of Directors,
and the impact of classification where
cumulative voting is permitted or require. The top
priority in decision making not necessarily
applicable.
(x) restrictions on alienability of the securities
being offered: N/A
(xi) any provision discriminating against any
existing or prospective holder of such securities
as a result of such security holder owning a substantial
amount of securities: N/A
(xii) rights of Holders that may be modified
otherwise than by a vote of a majority or more of
the shares outstanding, voting as a class: N/A
PART III
INDEX OF EXHIBITS/ITEM 17
A. UNDERWRITING AGREEMENT............. Item 5 Page 4
(none used- n/a)
B. Charters and Bylaws..............
Item 14
Page 16
C. Instruments defining the Rights of
Security Holders...........
Item 14
Page 16
D. Subscription Agreement
(upon purchase of securities of this offering
Shareholders agree to the following:
1. Terms and conditions of issuers Req. for
Purchase
2. Fees/int. associate with purchase
3. Unless buying in bulk agree to be shareholder
Without having major own share with company)........
Item 14 Page 16
E. Voting Trust Agreement
(The voting Trust agreement is for all shareholders
Of WEBDS that have a minimum of 1% equity Web
Debt Solutions, LLC or more. This agreement allows all
Share Holders to:
1. Call general meeting
2. to create a unified block of votes
3. Help resolve conflicts of interest
................ Item 14 Page 16
F. Material Contract.............. Item 10, 14
Page 11, 16
G. Plan of Acquisition, Reorganization, Arrangement,
Liquidation, or Succession.................
Item 9
Page 11, 12
H. Escrow Agreements..........
Item 9
Page 9, 10
I. Letter re change In Certifying Accountant......
Item 9
Page 9
J. Power of Attorney..... N/A
K. Consents.......... N/A
L. Opinion le Legality...........
Item 5
Page 6
M. "Testing the Waters" materials.......
Item 5
Page 6
N. Appointment of agent for service of process.
....... N/A
O. Additional Exhibits....... N/A
PART II AND III
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