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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.




Good luck GJWESTHAM. Let me know how you do.

Sub: #51 posted on Mon, 01/05/2009 - 09:20

Unregistered


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.

Sub: #52 posted on Thu, 01/08/2009 - 00:46

Unregistered


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

Sub: #53 posted on Sun, 01/18/2009 - 01:16

Unregistered


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

Sub: #54 posted on Sun, 01/18/2009 - 04:25

Ladielucille Ladielucille

(Posts: 49 | Credits: )

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.

Sub: #55 posted on Sun, 01/18/2009 - 09:51

SusieQ SusieQ

(Posts: 302 | Credits: )

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.

Sub: #56 posted on Sun, 01/18/2009 - 09:53

SusieQ SusieQ

(Posts: 302 | Credits: )

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

Sub: #57 posted on Sun, 01/18/2009 - 10:25

Ladielucille Ladielucille

(Posts: 49 | Credits: )

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.

Sub: #58 posted on Sun, 01/18/2009 - 10:40

SusieQ SusieQ

(Posts: 302 | Credits: )

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?

Sub: #59 posted on Thu, 01/29/2009 - 12:34

legalbabe75 legalbabe75

(Posts: 15 | Credits: )

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.

Sub: #60 posted on Thu, 01/29/2009 - 13:03

SusieQ SusieQ

(Posts: 302 | Credits: )

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