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

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I was in touch with two debit companies today one was Bella Financial out of Dallas TX, the other was Superior Debt Services in OK. Superior Debt Services offered credit repair help after you pay off your debt. Both companies charged 15% of the total debt as their fee and they said they could reduce my debt to only 40% of what I owe.

Have you all heard of either of these companies, Bella Financial and Superior and if so what do you think, they both invited me to look at their links on the BBB.




PLEASE DON'T BE FOOLED BELLA-I KNOW YOU GUYS ARE REPLYING TO THESE POSTS. (I MEAN YOU DO HAVE TO CONTINUE TO MAKE YOUR COMPANY LOOK GOOD). YES YOU CAN TELL YOUR CLIENTS THAT YOU CAN GET THESE DEBTS DOWN TO 40% (WHAT IS THE LIKELYHOOD OF THAT HAPPENING)? WHAT ABOUT WHEN I GOT SUED AND HAD TO ACCEPT A STIP OF 75% OF THE DEBT THAT WAS NOT THE TOTAL OF THE DEBT I HAD WHEN I ENROLLED IN THE PROGRAM. LET'S FACE IT, WE ENROLL BECAUSE WE HAVE THE DEBT IN THE FIRST PLACE. JUST DON'T LIE TO ME AND TELL ME AND KEEP TELLING OTHER CLIENTS YOU CAN GET THEIR DEBT DOWN THAT LOW. LISA.....IS VERY RUDE, BUT SHE GETS PAID TO BE THAT WAY, I ASSUME. THE BBB DISAGREES YES WITH THESE COMPANIES HELPING FOLKS GET OUT OF TURMOIL, BUT IT DOES NOT HELP WHEN YOU ARE WITH A COMPANY THAT REALLY ONLY TAKES CARE OF YOU WHEN YOU FILE COMPLAINTS. REALLY, NOONE CARES ABOUT YOUR DEBT LIKE YOU DO! gjwestham2 STOP TRYING TO PRY INFORMATION OUT OF PEOPLE SO YOU CAN TAKE IT TO YOUR BOSS AND MAKE YOU LOOK GOOD-IT'S SICKENING-GROW UP! IF MY DEBT WASN'T SO HUGE, I WOULD GO OUT OF MY WAY TO PUT YOU GUYS OUT OF BUSINESS-BUT I HAVE SPENT OVER $4000 WITH YOUR LOW LIFE COMPANY AND WILL NEVER DO IT AGAIN. I SHOULD HAVE JUST FILED BANKRUPTCY FROM THE GET-GO!

Sub: #21 posted on Tue, 09/16/2008 - 10:15

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Jane87

YOU KNOW VERY WELL THAT YOU DID NOT GET THROUGH THEIR PROGRAM IN 2.5 YEARS-THEY DON'T EVEN OFFER THAT-NOR IS IT EXPLAINED VERY WELL WHEN YOU ENROLL THAT YOU HAVE TO SAVE MONEY UP. YOU HAD NO PROBLEMS??? WHEN DID YOU ENROLL? WHO HANDLED YOUR ACCOUNT? BELLA YOU HAVE GOT TO TRY HARDER! NEXT.....

Sub: #22 posted on Tue, 09/16/2008 - 10:22

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YOU SHOULD GROW UP THIS COMPANY RUINED HIS LIFE WE ALL KNEW ABOUT THE CALIFORNIA DESIST AND REFRAIN WE WANTED TO PROVE THAT IT HAD HAPPENED TO OTHER PEOPLE SO SOMEONE WOULD LISTEN AT LAST IT HAS COST THOUSANDS IN ATTORNEY FEES AND STILL WE GET NOWHERE BUT WE WILL NEVER GIVE UP SO I THINK IT HAS BEEN ONE BIG LEARNING EXPERIENCE AND WE ALL HAVE CERTAINLY GROWN UP SO BEFORE YOU ACCUSE PEOPLE THINK THAT MAYBE THEY ARE ASKING A QUESTION TO GET SOME HELP NOT TO HARM YOU

Sub: #23 posted on Tue, 09/16/2008 - 11:43

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SO GEORGIA I THINK THE LAST LETTER PROVES TO YOU THAT GJWESTHAM2 DOES NOT WORK FOR BELLA FINANCIAL AND IS A VICTIM JUST LIKE YOURSELF YOU SHOULD THINK BEFORE YOU ASSUME SOMETHING I KNOW YOU ARE UPSET JUST LIKE WE ARE BUT AT LEAST WE ARE TRYING TO DO SOMETHING ABOUT IT AND ALSO TRY TO TELL OTHERS NOT TO DO WHAT WE DID AND RUIN OUR LIVES WITH THE WORSE STRESS MONEY CAN BUY GOOD LUCK WE WILL NEVER GIVE UP

Sub: #24 posted on Tue, 09/16/2008 - 15:49

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OBVIOUSLY GEORGIA IS NOT A CLIENT, BUT A DISGRUNTLED EMPLOYEE. COME ON NOW DO YOU REALLY THINK SOMEONE GOT THT UNSATISFIED WHEN ONE EMPLOYEE LEFT. I MEAN AFTER ALL SHE WAS OBVIOUSLY HAPPY IN THE PROGRAM IF SHE REFERED 7 DIFFERENT PEOPLE RIGHT!?!? OR DID I READ THAT WRONG?

Sub: #25 posted on Wed, 09/17/2008 - 10:47

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The internet should be used for finding useful information and for people looking into bankruptcy alternatives. I second the comment from Guest. Clearly this is an ex-employee or disgruntled client and the more they post the more they prove that fact. I am a lead negotiator at a debt settlement company in NY and I find this person's story to be filled with wholes. There is no such thing as a STIP(?) for any percentage of a balance. Again to everyone looking into debt settlement be aware that there are always people who want to tarnish others for no true benefit and this is a classic case.

Sub: #26 posted on Wed, 09/17/2008 - 10:51

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The BBB IS a joke!
Look, I work at the BBB. I can tell you that while this organization has a admirable cause, you really have to ask yourself what their cause is. The BBB presents themselves to you in the manner that you want to hear. Much like the typical politician. If you are a consumer with a problem, well then they are just the people to call because they look out for you. If you are a business owner they tell you that they are pro-business and founded on the concept of self-regulation. So, how can they be both pro-consumer and pro-business? They can't. They will tell you that the accredited businesses support honesty and integrity in the marketplace and this allows the BBB to educate the consumers. Here's all the stuff they don't tell you.

1. If you become accredited, you INCREASE your chances of having complaints filed against you. Once consumers know of your affiliation they are more likely to file a complaint with the BBB.
2. The BBB keeps complaints on file well PAST the 36 months in contradiction to what they tell you. It just isn't available for consumers to see on the company reliability report. Also, if a complaint is pending it does not show up on the reliability report either. The BBB has NO OBLIGATION to close a complaint. I have seen complaints go unprocessed and left open for years.
3. If you own a business they will tell you how many inquiries you've had or referrals you've had. You are being fed a line of BS. The referral number is the exact same for every accredited business in your category.
4. The system is designed so that if you don't pay the dues you can't get as high of a rating as someone who does. A business really is paying for a rating. Watch out for letter ratings as an A rating simply could mean they are accredited (A for Accredited and not A as in ABCDEF)
5. The BBB claims they resolve 80% of consumer complaints. LIE! What they don't tell you is that the majority are considered 'RESOLVED' because the complaining party didn't respond to the business rebuttal. Often times, email addresses are bad, mail is returned, etc. and no one at the BBB will try to physically contact the complainant to verify their contact information. This is the BBB's way of maintaining their 80% resolution rate. From my experience it is closer to 50%. The BBB banks on the fact that after filing the initial complaint the consumers will drop the ball. Want to know how to tell watch for this language " Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB."
6. The BBB will go out of their way to make sure their accredited business complaints are closed in a positive manner. This is not done for non-accredited businesses. If a complaint is filed and the non-accredited business is sent an email (email address supplied by the consumer) and the email fails, the complaint is closed as unable to locate. This is a negative for the business.
7. Do you have any idea how many complaints are asked to be re-opened because the BBB closed a complaint and one of the parties wasn't notified?
8. And don't get me started on the sales staff. I have heard them tell business owners the largest bunch of bs I have ever heard.
9. The BBB spends a lot of time trying to figure out how to attract businesses to become accredited to increase their income and pad their own coffers.
10. Accreditation means nothing. Prior to October 2007 these same 'accredited businesses' were members. The BBB just changed the name because they didn't want to reflect that a business can just pay dues to be affiliated with the BBB.
11. Do you think they actually perform background checks. Think again. Company pays their dues to the BBB and they are in. The only time a question will arise is if they see something on the company website they don't like. The BBB accuses honest businesses of being shady even if they have done nothing wrong its just based on a feeling that someone gets.

Stay away from the BBB. Consumers should use Angie's List. At least they are funded by consumers. Businesses should join the Chamber

Sub: #27 posted on Wed, 09/17/2008 - 14:55

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I used the BBB and they handled my complaint correctly. I agree with some of your statements though. Here is the jist of it. If you are an HONEST company, you will have nothing to worry from the BBB or anything for that matter. If you are a SCAM then it will show in time. Even the BBB can't protect a company forever. If you see a ton of complaints for a company at the BBB maybe that SHOULD tell you something.

Sub: #28 posted on Tue, 09/23/2008 - 07:26

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You made a complaint to the BBB and you are claiming they handled your complaint correctly? How did they handle it? Please be specific so we all can understand you. How can you talk about honest companies when the BBB itself is under investigation? You can't gauge how a DISHONEST company handles a complaint when they are being found out as fraud. You have no point Tom321.

Sub: #29 posted on Thu, 09/25/2008 - 07:33

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Simple. 1. I made a complaint 2. They contacted the CA to try to mediate the situation between us. 3. CA did not want to settle the situation. 4. BBB put an unresolved up along with their already unsatisfactory record.

What more do you want them to do? That is the POINT.

If the BBB is dishonest fine and it will come out in time but all the complaints are from consumers not them. If a company has a lot of complaints STAY AWAY. who cares what the rating is.

This isn't rocket science.

Sub: #30 posted on Fri, 09/26/2008 - 07:13

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