Frequently Asked Questions

  • Capital Arts offers one-on-one consultations and document research. Document research is billed at $30 per hour and requires a free 15-minute consultation beforehand to review your situation and determine what works best for you. To get started, simply click on the “Services” tab at the top of the page, select the service you need, and schedule your appointment.

  • No! Allen Naji started his journey at 18, it’s never too early, or too late, to start learning your rights and start defending yourself against abusive debt collection and banking practices!

  • Most people are selling recycled information that keeps clients dependent instead of informed. Allen Naji created Capital Arts to break that cycle by giving you the knowledge to understand and defend yourself against the banking system from every angle.

  • You can reach Allen Naji anytime via our contact page or email. At Capital Arts we aim to respond quickly usually within 2-4 hours.

  • Allen Naji has spent over five years studying and applying the exact principles he teach. Before turning 21, he eliminated over $3,000 in personal debt through a successful settlement with Discover. He also helped get a car repossession case against my mother dismissed. Allen Naji’s real world application combined with extensive research and reliance on authoritative sources, is what forms the foundation of the work we provide at Capital Arts.

  • At Capital Arts we approach every situation with honesty, diligence, and a relentless attention to detail. We maintain consistent communication and provide ongoing updates as we uncover findings and identify potential violations within your documents.

  • Yes. The $100 Mentorship Program price is a one-time payment for the complete 12-week program. It is not a monthly membership charge.

  • Mentorship participants receive direct guidance during the 12-week program, structured assignments, research materials, source documents, and access to Allen’s personal number for 24/7 support by text.

    This support allows participants to ask questions, receive clarification, and continue working through the material between scheduled classes.

  • ital Arts Group Chat costs $25 per month and renews monthly until the membership is canceled. Membership includes ongoing classes, replays, beginner lessons, templates, research materials, mini-lessons, and financial updates.

    You may cancel at anytime.

  • Document research may include reviewing loan agreements, mortgages, promissory notes, endorsements, assignments, account records, servicing documents, collection communications, and related financial records.

    The purpose is to identify important terms, discrepancies, missing information, and potential compliance questions while helping you better understand how the documents relate to your situation.

  • No. Templates are provided as educational examples to demonstrate organization, structure, and important information that may need to be included.

    Every situation involves different facts, dates, documents, parties, and legal requirements. You are responsible for reviewing and adapting a template before using it.

  • No. Capital Arts offers beginner-friendly lessons that establish the fundamentals of money, banking, credit, accounting, and consumer financial law. More advanced classes and research materials are also available for people who already understand the basics.