Bella Financial or Superior Debt Services - Whom to work with?

HELLO I AGREE 100% THEY HAVE TO BE STOPPED

HELLO HAVING LOOKED AT SO MANY WEBSITES I FIND IT SO SIMPLE TO SEE WHO WORKS FOR BELLA FINANCIAL AS I SAID BEFORE JUST READ BETWEEN THE LINES THEY KNOW TO MUCH AND GET ANGRY BECAUSE THEY NEVER THOUGHT WE WOULD FIND OUT THAT THEY ARE EMPLOYEES THEY ARE SCATTERED ALL OVER THE WEB IT IS VERY SAD AND CHILDISH

HELLO WE HAVE NOT HEARD FROM GEORGIA I HOPE EVERYTHING WORKED OUT AND HELLO TO TOM WE ARE STILL TRYING TO GET EVERYTHING STRAIGHTENED OUT BOY THEY TAKE YOUR MONEY QUICKLY AND DO NOTHING AND TRYING TO GET IT BACK IS HELL AND GETTING YOUR CREDIT BACK TO NORMAL IS A TASK ALL ON ITS OWN BUT WE MUST KEEP TRYING THERE IS A LOOP HOLE AT THE END OF THIS TUNNEL AND WE WILL NEVER GIVE UP LET US KNOW HOW EVERYONE ELSE DID AND GOOD LUCK TO ALL OF YOU HAPPY NEW YEAR

Good luck GJWESTHAM. Let me know how you do.

HELLO TOM EVERYTHING IS GOING GOOD, JUST A WAITING GAME AND ALOT OF PAPERWORK, BUT I AM SO PROUD THAT WE NEVER GAVE UP AFTER ALL OF THE LIES AND THREATS WE RECIEVED, AND PROVED THAT WE WILL NOT BE PUSHED AROUND OR STOLEN FROM, HOW HAS EVERYONE ELSE BEEN GETTING ON, ANY RESULTS NEVER HEARD ANYMORE FROM GEORGIA, TAKE CARE EVERYONE AND NEVER GIVE UP PEOPLE SHOULD NOT BE ABLE OR ALLOWED TO RUIN YOUR LIVES.

HELLO HOW IS EVERYONE NOBODY WRITES ANYMORE ON THIS WEBSITE WHAT HAPPENED DID EVERYONE GET THEIR PROBLEMS RESOLVED,

So, I take it that people are not happy with Bella....I was thinking of going with Superior Debt....any thoughts?

I am in a program with Superior, and have had very good luck with them so far, in my first year. They have settled four of my nine accounts, and I have done one on my own.

I do want to point out, though, that people need to research the Debt Settlement process itself, before they sign up with ANYone. Many people get into a program, and discover things they don't like, then blame it on the company. Granted, there are a lot of crappy settlement companies out there. Probably MOST of them are scams, in business only to wipe out your bank account. New ones are are springing up at a rapid rate. But you have to realize, that you can still be sued, whether in a program OR settling on your own, by impatient creditors. A company can't protect you from that, even if run by attorneys. I have been sued twice, but each time was able to negotiate a settlement and had the suits dismissed. Also, many people don't realize that you will have to declare any amount of forgiven debt (over $600) as income, unless you are insolvent. You will still receive calls from collectors. When you are in a three-year program, your accounts will be charged off and you will no longer be dealing with the original creditor. (If you only have a couple of accounts to settle, it's best to try to settle on your own, IMO.) Be sure any company you sign up with has you keep your funds in a separate bank account that YOU have control of (Superior does). Find out how long they have been in business, and whether they have a positive track record. I would steer clear of any brand-new company that no one else has ever heard of. Make sure you ask every question you can think of. Use the "SEARCH" box above for every topic or thought you have. Be sure you know what you are in for. debt settlements are not a quick fix. They are a last resort before bankruptcy, when all other options like consolidation or managment plans are not feasible. It is still a bumpy ride. But personally, I feel I made the right choice and have no regrets with the process OR my company.

One more thing - I am with Superior Debt SERVICES. There are other companies using the name "Superior" in their title that are not the same company. At least one of those is not so great.

did you have to get a lawyer when you were sued? Did Superior help you through that at all?

No, I did not have to get a lawyer. One of the suits came from Advanta, who won't negotiate with settlement companies, and that was the account I settled on my own. I simply accepted the settlement they offered that came the same week as the lawsuit. It was a great offer, but I did have to borrow money from a family member to accept it, as my funds with Superior were tied up in settling another account at that time. If I had had the funds laying in my account to pay it, even though Advanta won't negotiate with settlement companies, they would've accepted the payment through them. The other one, Superior did negotiate the settlement before the court date. Came down to the wire though, as the creditor (Target Visa) kept stalling.

I agree with SusieQ and it is clear that you were explained how debt settlement works. You can be sued. Debt settlement is not a quick fix. You did your research and take ownership of your debt. Why did you have to settle one of your nine accounts on your own?

Because Advanta required that the settlement be paid IMMEDIATELY, and the funds that were in my settlement program at that time were already promised to paying off another account that month. BUT, Superior then removed that account and their fee for it from the program, making my monthly payment a substantial amount less.

SusieQ you seem to know a lot about debt settlement. You have 202 posts since 2007 and I am just wondering why you are with a settlement company if you are so informed about how everything works. I think it's great if you are pleased with Superior and how they assisted you so far but from a trained eye you stick out. I use to do paralegal work for a well known settlement company until I decided to be a full time mom. If I am wrong then you should think about a career in settlement since you are very knowledgable.

I know a lot about it, because I have researched it thoroughly and continue to learn all I can, even though I am currently in a program. I don't go into ANYthing blindly. I have a science background, so I am very analytical about things. I learn new things every day, even about credit and how it works because I never stop reading. There are posters on this very site that have lead me to invaluable information, good and bad. I had to close my business because of circumstances in our town beyond my control; that is how I ended up with so much debt. Just trying to get it all behind me, like everyone else. I realize there are people out there that do NOT have good settlement experiences, but that shouldn't stop anyone from learning about the process itself if they are interested in it, as an option for getting out of debt. I would suggest to anyone who wants to settle to try it themselves if they only have a few accounts, by all means. But for me, with the responsibilities I had with family members and in the community, I just didn't want the extra burden. To me it's been worth it to have a company do most of it for me. It is all just individual opinion. Different things work better for different people. That is why I always tell people to read all you can, learn all you can, and in the end choose something you are comfortable with.

I don't want a career in anything remotely connected to the credit industry, lol. Once this is all behind me, I plan on moving forward, debt-free. I have learned my lessons.

SusieQ- has Superior explained to you just how they plan to restore your credit? I am finding that this company seems to say that to it's clients and I am not sure exactly what they mean.