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Cruithne · Posted: Tue Sep 26, 2006 4:00 pm Subject:

Aye, that's Superior Debt Services web page. They also go by the name Superior debt relief, which is why you might be confused. Smile

Posted: Tue Sep 26, 2006 5:21 pm Subject:

Mary Ann,

Try superiordebt.com. I believe that is the correct website.

Posted: Tue Sep 26, 2006 7:19 pm Subject:

Can't vouch for anybody directly, but a lot of people have been very company with this company:
http://www.debtconsolidationcare.com/mystory/about13587.html

Mary Ann · Posted: Wed Sep 27, 2006 10:04 am Subject:

I just spoke with Mark from Superior debt relief. I am going to go with them. They have a good rating with bbb & he really eased my mind & they have enough programs that anyone could feel at ease doing your settlement with them.

Posted: Wed Sep 27, 2006 3:35 pm Subject:

Mary, I am happy that you are now feeling better. Superior debt relief is a good company. I know one of my close people also enrolled with their settlement program. So far, things have been good for him. You can also go with them.

Guest · Posted: Wed Sep 27, 2006 3:44 pm Subject:

I posted this in Mishele's thread, but I think it belongs here instead:

Does anyone know if a settlement company such as SDS is bound by the terms of an agreement if none of their people sign the contract/agreement? I just noticed that I would have to sign and mail the enrollment package, which acts as the contract, but they don't sign and send it back. Don't contracts usually involve all parties signing? Or is their consent to the contents implied by the fact that they wrote the agreement in the first place?

Cruithne · Posted: Wed Sep 27, 2006 3:44 pm Subject:

Woops, that was me above!

Posted: Wed Sep 27, 2006 4:08 pm Subject:

Cruithne, I am not confirmed about this but it seems to me that most debt settlement companies will get some cover first. They will put the contract like this that if a creditor insists in taking the matter to the court, the settlement company will not be held accountable for it. Your documents and the money deposited in the new account will prove your actions in front of the judge and willingness to pay the debt. The judge makes the decisions after considering these points. Before you sign up, get this point cleared with the consultant.

Cruithne · Posted: Wed Sep 27, 2006 4:17 pm Subject:

I'm not sure I explained my question well (or else I'm not following you PassionHunting). Smile

At this point I'm just asking about the agreement with the settlement company. They outline their responsibilities and mine and what I can expect, etc. I am required to sign this agreement, but they do not sign it as well. Are they legally bound to actually fulfill their responsibilities to me then? For example, SDS writes in the agreement that if they cannot obtain a settlement better than X%, they will refund my fees. But because they do not sign the agreement, are they legally bound to that? One person I talked to said that they are because the agreement is on their letterhead, which makes some sense, but...I'm understably very slow to trust right now. :/

Posted: Wed Sep 27, 2006 4:32 pm Subject:

Cruithne, that's true. The company is putting the point in writing. You are assured that this point of getting the favorable deal for you is one of their terms and conditions and then get something signed by you so that the contract becomes valid. Anything if it is in writing must have a reason. You can use it to defend in case of possible dispute later.

Posted: Wed Sep 27, 2006 8:42 pm Subject:

That is a very good question and one that I wasn't sure how to answer in the other thread. It's late and I'm a little sleepy. I believe they would honor their obligations but it is something to think about. I have no doubts about them. I've asked them similiar questions and gotten very close replies. One time I was so worried that if I actually got sued by one of my creditors and they won, would Superior keep my fees for that? They said no...

shem · Posted: Thu Sep 28, 2006 6:45 am Subject:

Linda, if you are happy with the company you are using, please let us knows who they are. This is a site for sharing information. If they are doing a good job, people need to know that, if they are not people need to know that as well. Please reconsider you position of not telling because you don't want to give them any free advertising. That is just silly.

Cruithne · Posted: Fri Sep 29, 2006 9:34 am Subject:

Thank you Mishele Smile

I think I've opted to go with American Liberty Financial myself. Not because of my concerns about the contract (SDS seems like a great company), but rather because of the difference in their fee structure. After researching into settlement if I were to do it myself, and the tendencies of my credit companies, I concluded that paying any company a large fee up front as SDS requires would make it almost impossible for me to have enough money to settle with my creditors before they would sue. For my situation, a settlement company with only a small retainer fee that takes their payment after the settlement, based on how much they saved me, is crucial to success. I'd be in for a world of hurt otherwise. Smile

I'll let everyone know how it goes!

Mary Ann · Posted: Fri Sep 29, 2006 2:00 pm Subject:

Hmmm, when I spoke with American Liberty, they told me the 1st 3 months of my total payment would be going to their fees! I still think they are a good company. I went with SDS as they had a lower monthly payment amount which better fit my budget. No sense paying to a company if I can't afford it. Also, SDS payment also included a dept store credit card that American's amt didn"t.
Good Luck, U keep posting

Cruithne · Posted: Fri Sep 29, 2006 2:58 pm Subject:

Hmmm! Interesting. Perhaps I misunderstood something then from the person I spoke with, or perhaps there are two different companies with similar names. I will have to look into this more!

Mary Ann · Posted: Fri Sep 29, 2006 4:41 pm Subject:

American Liberty called me back after I signed with SDS. They wanted to make sure I wasn't signing with a bad company. I didn't tell them who I signed with. When he asked how long the company had been in business I told him 7 yrs. He said wait a minute, came back & said he talked to his big boss & the boss said that no company has been around longer than 4 yrs. If you look at the bbb site for SDS it shows they started in 1998! I know American was just trying to get my business, but none of the other companies tried to bad mouth each other, they were just glad I was getting help

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