Zipdebt.com ?

Has anyone used this service for debt settlement?

Welcome to the forum...

Hang on...there must be someone who has taken service from this site.

Phoenix

zipdebt.com just sells a do it your self debt settlement service. I am sure its nice but you can read the helpful info on this site and do it your self without paying anyone.

ZipDebt seems knowledgeable enough about what they are doing, sometimes some advise and good coaching may be needed!

Just be careful how much you spend to get their coaching, it should not be more than say $300, i would not spend anymore if I´m going to settle my own accounts.

I used this service. Well worth the money as I didn't have to weed through all the "free" info on the net, and I didn't have to pay some "professional company" 15% of my debt just to get started. It helped me save over $14,000.

I am the oringinal poster and ended up going with this service. I am so glad that I did! It has worked out well for me too. Well worth the money. I had about $70,000 in cc debt and I have settled 6 accounts since and have one left to go. This service helps you to settle on your own and you save lots of money from paying someone to do it for you. All the money you would have to pay a Company to do it for you can go toward settleing your accounts. This is for those who want to do it themselves but are to nervous to do so. You listen to the cd's you get, which explains every step and then you get one phone consult for a plan of action. Also included is email support. Every time I had a question it was responed to within 24hrs. very important when you are getting anxious and questionig what to do next. This service is really up to date on how to handle debt settlement. Yes you can read and post questions here for free, which I have have because you can never get too much information, And I have learned alot here too but, some of the information here can be outdated and not the best depending on who answers.

I HIGHLY recommend ZipDebt.com. I can be a bit of a micro-manager, so I have been extremely pleased with ZipDebt's do-it-yourself system...it has already saved me a TON of money (I quit paying my $60k Bank of America bill in December & started socking away the money I'd have paid in monthly payments. Today, B of A and offered to the whole debt for only 20%. Yee-haww!). Plus, let's face it...no one cares about your money more than you do and it's much better to take a hands-on approach rather than to pay someone you don't even know a load of money and then stick your head in the sand and hope that you're not getting duped in some way. ZipDebt has seriously changed my life! (and as soon as I'm totally debt-free, I'm taking the friend that recommended ZipDebt.com out to dinner...on me!)

Good for you!
And here's to all the posters on this site that try and say only Professional Companys can get that kind of result. With all the scams out there, it is truly nice to have found someone who will really, honestly, help us with out taking advantage of our desparate situations.

Amy33 & ksrenaud, question for you: When using the ZipDebt.com system, were you able to save enough money on your own to make the "bulk" payment(s), or did you have to "find" or "borrow" a chunk of cash? (In other words, in the short amount of time you seemed to settle your debts, did you have enough time to "save up" for the settlements?) You both seemed to have settled in a very short time period...

Also, which ZipDebt.com product did you end up using (and which would you recommend)? (Basic, Enhanced or Premium)

I recommend at least the Enhanced because the consultation and email support is invaluable if only to ease your questions and fears when you are going through the process. He has always answered my emails within 24 hours at the most.

I did use some of my IRA to help settle some of my accounts quickly along with the monthly money I was saving. He does also do free upfront consultations to discus if you are a good canadate for this process or not.

I also end up getting service from ZipDebt. Now I'm fearless to go through in settlement. I'm starting not paying my creditors for this month. I will document the process and progress using the ZipDebt coaching.

I got the Enhanced Package billed in to two payments ($209). I listened the CDs and working browsing the workbook. I also created spreadsheet of my accountwhere I can also document the calls they and I made.

Just this morning I received a call from creditor and follow ZipDebt advice on how to answer phone calls.

There is NO reason to pay someone to do what you can do yourself. Quit being a wimp. Any legit company will state their fees on the front page of their site! Walk away.

Hi Weehide,

I agree with the guest. Here are some "Do it yourself guideline".

Hi Phoenix,

I also read the information here on the website but still not giving the tiny details I need. ZipDebt.com gives you the step by step instruction, the timeline, and even what you can say to your creditors when they call. So I think the $409 I paid are worth it for the information I received.

I don't have my results yet.. so I cannot really give testimonials that 100% will work. But because of the information I got from ZipDebt, I became more confident to do it myself.

Update-3 out of 8 creditors are on 30 days default. So I will see more as the time goes by.