
Founded on Experience, Driven by Results
Creative Opportunities, LLC was founded by Kathy Utiss, with over three decades of specialized experience in asset and investment management since 1994. Her expertise spans charged-off credit portfolios, real estate acquisitions, and complex financial restructuring across residential and commercial sectors. This hands-on experience with distressed assets gives us unique insight into resolving challenging credit situations effectively.
What sets us apart is our commitment to transparency and client-focused solutions. We approach every situation with kindness, empathy, integrity, and honesty because financial issues can be overwhelming. Unlike competitors who charge percentage-based fees, we offer one-time pricing and a specialized $500 discount for inquiry clearing. Our asset management background enables faster, more effective resolution that opens doors to better job opportunities, vehicle financing, and home ownership.
Get Your Free Credit AnalysisWe Deliver Real Credit Solutions

Veteran-Level Expertise
30+ years in credit and asset recovery ensures your case is handled with precision.
Ethical & Transparent Pricing
One-time fees save you money and stress—no surprise charges.
Fast, Personalized Solutions
Quick turnaround and dedicated service built around your unique credit goals.

Our Trusted Partners


