CONSOLIDATED FINANCIAL MANAGEMENT SERVICES is an independent negotiating firm and a member of IBBA (International Business-to-Business Arbitration Association). Our specialty is helping small businesses and their principals who are having problems servicing their debts. We handle: Overdue supplier accounts, Unpaid Federal & State Income and Payroll Taxes, Bank debt, Past due credit card accounts... CFMS frequently makes out-of-court settlements. However, we do not practice law. Rather, we provide an alternative to the “standard” methods of handling disputes between businesses and their creditors.