I have been with SDS for about two years. I did considerable research before I signed up with a debt settlement company. SDS was the top on all my research. I have not been dissapointed. I find them to be very professional and understanding. I have just 4 accounts to go until I am debt free. I am able to keep my business and I am still able to provide for my son as a single dad. But, don't take my word for it. Do the research yourself. And, be prepared to make siginificant lifestyle changes. Getting yourself out of debt is not a simple or easy task despite what you may hear. It takes dedication and work. Keep focused on you goal and you will succeed.

Good luck! Enjoy getting your life back!!

[da_ziegler]

I am just about complete with Superior. The settlements are complete and now we'll if their promise to restore credit holds true. I thing you should know is they cannot settle with every creditor. I had to settle my Advanta account on my own, which was frustrating to say the least. Another thing you should be aware of is when estimate the settlement it is a percentage of the current balance. What they do not clearly explain is as you making payment to Superior, interest is accumulating on your accounts and when it come to settling, the percent is actually on the original balance and interest that has accumulated. In other words, if your debt is high enough, you may end up paying the entire amount of the original balance because of the high interest. When asked about it they state they cannot guarantee settlement amounts.

My husband and I have been with Superior Debt for 14 months now and yes they are great to deal with but I don't think I was fully aware of how hard it was going to be when I signed up. I never realized how persistent the bill collectors can be. Because I'm not answering my home phone they call me at work, they have called the owners of the company I work for and my family members. This has proven to be very humiliating! I'm not sure who said it but Debt Solutions does not stop any phone calls nor do they take any phone calls unless you have enough money in your account to settle a debt. The other matter I neglected to think of was the fact that the longer it takes you to settle your debt interest and penalties are accruing each month increasing the amount of debt you owe. Remember, when you look at the estimated payment schedule it is only an estimate. They agree to settle your accounts for 40 percent of the debt but by the time you are able to settle your debt your balance could have doubled. I still think we made the right choice for us in choosing Debt Solutions but I think before anyone sighs up they should know what they are in for.

so glad to read all thepositive reviews.I am going to sign up also,but was getting cold feet because of some of the scary things I have heard about the industry in general.My first impression was good,espicially after speaking to other 'companies".Thanks,I needed that positive feedback!!!