Processing highly secure transactions for years
Reliant is an independent account management and payment processing company which acts as a neutral intermediary between two parties. Reliant is capable of providing payment processing services to consumers, attorneys, bankruptcy trustees, tax resolution providers, debt relief providers, and more. Our services allow consumers and businesses the ability to store and distribute funds to creditors and service providers in a highly secure manner.
Processing payments for individuals and business-to-business
Reliant processes payments for individuals in debt relief programs, manages vendor payments on behalf of businesses, and provides funds transfer services for other niche industries through its banking relationships. Reliant provides highly secure and accurate account management, and streamlines payments to multiple creditors, vendors, and businesses seamlessly.
When consumers find their debts become unmanageable, debt relief offers a viable alternative to bankruptcy and allows them to settle their debt for less than the total amount owed, putting them on a path to financial freedom. Per federal regulations, companies that market debt relief via telephone sales must not take any fee for their services before a debt has been settled and a payment has been made to the settled debt. That is where Reliant comes in. As a neutral third-party, Reliant provides a special purpose account for the consumer to deposit funds in accordance with their debt relief program that will be held in a highly secure manner, under the customer’s control. These funds can be used to pay settled debts and fees per the debt relief company’s instruction with the customer’s permission.
Student loan modification
Student loan debt is at historic highs and often by the time a student graduates they have a separate loan for every term they were in school. Many borrowers are looking for a way to consolidate their loans at more favorable rates and payment terms.
A lawyer who receives funds that belong to a client must place those funds in a trust account separate from the lawyer’s own funds. Many lawyers will use an IOLTA account for this purpose; however, that places the burden of accounting on their shoulders. Reliant’s account management services assists the attorney by providing accurate account balances, detailed reporting, and efficient processing.
While Reliant specializes in payment processing for debt relief industries our platform is very versatile as we can offer ACH processing for any industry. We welcome the opportunity to review your business needs and customize a payment solution for you.
Other payment options
ACH Payments may not be appropriate for every transaction. Reliant offers a breadth of payment options including but not limited to paper check, wire transfer, pay-by-phone and credit card. Please note that credit card payments are not available for debt relief programs.
Payment processor for niche industries
Reliant has focused on providing payment processing and account management services to niche industries that require a more complex process than point-of-sale or person-to-person money transfers. Reliant is a leading payment processor for the debt relief industry and is continually searching for new processing verticals to enter.
Billion in payments
An industry leader in regulatory compliance
Reliant maintains active memberships with CDRI and AFCC that keeps us up to date with regulatory changes nationwide. We pride ourselves on our A+ rating from the Better Business Bureau, and we are constantly improving, engaging in numerous third-party audits annually.
Meet our team
Mr. Winters is the Co-Founder and President of Reliant. Mr. Winters is responsible for overseeing all operations of the Company. For the past 45 years, Mr. Winters has been an accomplished executive and entrepreneur within the financial services, title, and escrow industry. Prior to co-founding RAM, Mr. Winters was the CEO of RealNet Software from, co-founder and President of Benefit Land Title Insurance Company from, COO of Fidelity National Title, and an executive with First American Title. Mr. Winters is a graduate of the University of Colorado with a Bachelor of Arts in political science.
Chief Administration Officer
Mr. Chaya is the Co-Founder and Chief Administration Officer of Reliant. Mr. Chaya is responsible for overseeing all financial and legal matters, including compliance, for the company. For the past 40 years, Mr. Chaya has been an accomplished attorney, executive and entrepreneur within the financial services, title, and escrow industry. Mr. Chaya is currently inactive with the Arizona state bar, having retired from the practice of law several years ago. Prior to co-founding Reliant, Mr. Chaya was General Counsel and Vice President of RealNet Software, counsel with Old Republic Title Insurance Company from, co-founder, VP and General Counsel of Benefit Land Title Insurance Company, Assistant General Counsel at Fidelity National Title Insurance Company from and acting General Counsel at American Title Insurance Company during its acquisition by Fidelity in 1991. Mr. Chaya was a practicing attorney in private practice until 1984. Mr. Chaya is a graduate of Arizona State University with a Bachelor of Business Administration in Accounting and a Juris Doctorate of Law.
Chief Risk and Compliance Officer
Mr. McCulley joined Reliant in August 2020 and is responsible for ensuring RAM’s compliance with regulatory requirements and industry best practices. Prior to joining RAM, Mr. McCulley served as Vice President of Servicing Compliance for Ocwen Financial Corporation (NYSE: OCN). Prior to Ocwen, Mr. McCulley was Chief Compliance Officer and Ombudsman for the State of New Jersey Higher Education Student Assistance Authority. Mr. McCulley holds a Juris Doctor degree from Rutgers and a Bachelor of Arts in Political Science from Villanova. He is a licensed attorney in New Jersey and Pennsylvania.
Senior Vice President of Operations
Ms. Paquette joined Reliant in 2010 and is responsible for running all aspects of the Company’s daily operations. Ms. Paquette has assembled a highly efficient customer support team who she personally oversees in the Knoxville headquarters.
Director of IT
Mr. Mullis began working with Reliant in 2009 and is responsible for planning and developing all its line-of-business applications. He has twenty-two years of web application and database experience and is responsible for system development and maintenance, integrating customer-facing technologies, and working with the management team to develop long-range business opportunities. He works closely with accounting to ensure reconciliation with multiple financial institutions and with operations to help keep Reliant operating efficiently for internal users and clients. Mr. Mullis is a graduate and double major of Purdue University with both a Bachelor of Science in Professional Writing and Political Science.
Vice President of Client Relations
Ms. Wills began working with Reliant in 2017 and specializes in business development and client relations. She brings with her 15+ years of client relations and strategic financing expertise having worked in mortgage lending, financial underwriting, and business asset management. Connect with her on the latest industry standards, regulations, trends, and how Reliant can take your business to the next level.
Senior Vice President of Sales & Marketing
Based in the Greater Pittsburgh (PA) area, Tracy is a devoted husband and an extremely proud father of two amazing boys, Alex (15) & Maddox (12). He's also an experienced, self-motivated, President’s Club winning ®, C-level, technology sales leader with an entrepreneurial spirit, a passion for developing people & processes, excellent communication & organization skills, and a well-documented, track record of success. During his 17-year tenure at ECSI, he helped grow the company from the smallest campus-based, student loan billing servicer, IRS 1098-T tax form processor and delinquent account receivable management solution provider into the largest in the country.