I have decided that debt settlement is the way for me. How do I find out which companies are legit? I went to BBB and D&B and they want money for a report on a buisness. I just want to know if somewhere there is a list of who to trust. Has anyone dealt with "Topaz Financial"? Or how about "Credit Solutions"? What about "The Hermosa Group scam"? Any input would be GREATLY appreciated. Thanks!

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Topaz financial scam : As far as I know Topaz Financial is not a settlement company and is also not registered with BBB.
I haven't heard about The Hermosa Group.
"Credit Solution" has a satisfactory record of performance as per BBB.
But before selecting a specific company, please Google a list of settlement companies in USA.

But let me tell you that a settlement program can adversely affect your credit score by a significant amount. So, I think before coming to a conclusion, you should review other debt solutions like debt management Program, debt consolidation loan or Self Repayment Plan. You can also get a free counseling from this community's financial expert who can help you to take an informed decision.

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Credit Solutions does not have a satisfactory record. Their web site is CreditSolutions.com and they also go by the name Credit Solutions of America. They have over 1400 complaints with the BBB. They pretty much have they worst reputation in the debt settlement industry. Plus they several class action lawsuits against them. Stay away from them.

Your best bet is always checking a company out with the BBB and make sure they are members of TASC or USOBA. New Beginnings Debt Settlement LLC , Oak View Law , Superior debt relief and Century Negotiations are some of top companies out their that are members of the BBB . I am not enforcing these companies. Just giving you a staring point to help you shop around. I hope this helps

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I went through debt reduction America, there was a $50 enrollment fee but customer service was great and they were able to get my payments down a quarter of what i currently pay and out of debt in 36 months.

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That is incredible Bea. I didn`t realize that debt reduction America was capable of bending the rules of space and time. The fact that they got you out of debt in 36 months when they have only been in business since December of 2007 is truly amazing. Also I find it strange that a 36 month program with 99.9% of all other settlement companies the payment will usually be around half of what people currently pay. Not a quarter , unless of course they quoted you settlements of 20% which is not realistic.

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JIJIJIJJIJI,

good going there mobile.

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I have settled that debt setting is the way for me. But let me tell you about that a arrangement program can affect your credit mark by a substantial amount.

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Mobile...sly.............ROFLMAO!!! hahahahahahaha

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Do not go with Topaz Financial---they are affiliated with Clear Your Debt, LLC aka "Swiftrock Financial". Horrible reviews. Liars. Do not trust them--all they want is your money, they dont want to help you...

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Swiftrock financial is doing business the right way. Every company has complaints but I can say swiftrock has helped me save thousands of dollars and they have done everything that was told to me. My rep's name is charles and he was very helpful and professional. If you are planning on settlement give them a call. 512-439-1587

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The Credit Card Foundation, found at godebtfree.com is completely legitimate. We have been with them and they were able to get all of our credit card companies to drop finance charges so we could get them paid off. They are a 5 year program, though of course you can do it in less. We had medical bills as well, which got paid off. I would recommend them to ANYONE! If you want to get in touch with me for any more information, please feel free to email me at personal information deleted for your safety - Jason.

Caryn

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guitarkahlua, there are a lot of debt settlement companies. when i first enrolled with a company it was with a law firm to do my settlements; however after only being in their program I was sued so I left them to go with Superior Debt. They are amazing! Everyone that I have encountered has been friendly and very knowledgeable; especially Teresa my counselor and Melissa my customer rep they are two very special ladies that could not have helped a more clueless person understand everything. The patience and understand that Teresa had with me was just so refreshing.

When I was looking into my options I was surely not going to weigh my decision very heavily on the BBB also look at profession arbitrators site and USOBA. Please just be sure that you do the research.

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Do not go with Swiftrock!!!!They will take your money and do nothing to help u.Check them out with the B.B.B. they are affiliated with clear your debt who has a lot of complaints!I have filed a complaint against them and everyone else should do the same!!!

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I don't know what to suggest here. I've tasted the waters with 3 different companies already and did nothing but wasted time and money. The first company wanted a monthly maintainance fee of $49/ month - way too high. The second company said they could waive off 50% of my debts, and I sent them all my info. Read the paperwork and found they were just bluffing it all the way. Even their paperwork said they would charge me much more than what the rep told me over the phone. These companies think we're stupid.

I've been with DebtPointer since 5 months now. I still keep checking the blogs about them, and I've never found anything negative about them. My rep - Steve, was very helpful. Explained all the benefits and negatives of the program upfront, and the paperwork was exactly what he mentioned. Infact, he explained it so well that he even taught me how to calculate my payments. I would suggest call him before you enroll anywhere else (if you have to) His number - (800) 600-2003 ext 2015. They are with BBB, USOBA, TASC, IAPDA and have many more accreditations. Check em out.

Hope this helps.

Jerry H.

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I don't know what to suggest here. I've tasted the waters with 3 different companies already and did nothing but wasted time and money. The first company wanted a monthly maintainance fee of $49/ month - way too high. The second company said they could waive off 50% of my debts, and I sent them all my info. Read the paperwork and found they were just bluffing it all the way. Even their paperwork said they would charge me much more than what the rep told me over the phone. These companies think we're stupid.

I've been with DebtPointer since 5 months now. I still keep checking the blogs about them, and I've never found anything negative about them. My rep - Steve, was very helpful. Explained all the benefits and negatives of the program upfront, and the paperwork was exactly what he mentioned. Infact, he explained it so well that he even taught me how to calculate my payments. I would suggest call him before you enroll anywhere else (if you have to) His number - (800) 600-2003 ext 2015. They are with BBB, USOBA, TASC, IAPDA and have many more accreditations. Check em out.

Hope this helps.

Jerry H.

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These are great companies that have more than 18,000 clients. They save many thousands of dollars for clients through settlements. And anyone can apply and do this! My friends have saved more than $80,000 by working with these companies. And the BBB complaints have been from DISGRUNTLED EMPLOYEES! debt settlement is an AWESOME financial tool that exists and saves tons of money and gets you OUT of the financial trap of credit cards. Tell everyone to sign up with Swift Rock Financial and Clear Your Debt!!!!! Hooray!!

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