Superior Debt Relief (Superior Debt Services)

Superior debt relief doesn't offer any consolidation program. They only do debt settlements. Please make sure that you know about the program before signing with the company. debt consolidation is entirely different from debt settlement.

That's what I thought too. I recevied this email from a Mark Goodman with Superior Debit subject line "How Consolidation WORKS" and then he mention futher that this was a debt settlement program. He also speaks about other "debt consolidation companies"

(LONG) I just going to post the e-mail)
Quote:

MAKE SURE YOU WANT TO JOIN THE PROGRAM AND STICK WITH IT BECAUSE THEY USE THE EARLIEST FEES THEY TAKE FROM TO YOU PAY THEIR "PERCENTAGE" OF YOUR DEBT, LEAVING YOU WITH LITTLE LEFT FOR THEM TO NEGOTIATE WITH THE CREDITORS! AND WHEN YOU LEAVE THE PROGRAM BECAUSE NOBODY HAS SETTLED WITH THEM, YOU'RE OUT ALL THE UP-FRONT FEES THAT YOU PAID TO THEM. THEY ARE DOING WHAT THEY PROMISE, BUT BECAUSE OF THE UPSIDE DOWN AND UNEVEN WAY THAT YOU PAY FOR THEIR SERVICES, IF YOU LEAVE THE PROGRAM, THEY WILL HAVE MADE A GREAT DEAL OF MONEY OFF OF YOU FOR LITTLE TO NO WORK.
My husband and I paid them for almost a year, almost $4000, to have one debt negotiated for less then $1700. We couldn't afford their payments, with the payments on the cards that we didn't enter into contract with them about, and are declaring bankrupcty anyway. All the company really did was drag us along for a while, promising to stop the collection's calls and letters and that we were building money towards the debt. Now we're out the money, and had to quit the program anyway. Really, we should have just contacted a lawyer then and been done with it, but we believed we'd found a solution that was going to "save" us. It didn't. Now we feel like fools whenever we talk about it. And, by the way, their BBB record isn't clean anymore. Actually research the full company, not just their link. We aren't the only ones feeling the burn.

Just want to give my input here...I'm a Superior Debt customer and committed to the program.

Having done much research especially in the last few days...it would appear they are a consolidaiton program for sorts because you have 1 payment based on all the creditors. they are not a traditional consolidation program that most think of that is operated by the creditors; but this is no longer the days of tradition as everything is breaking new ground.

As for my experience with superior it has been positive. I did not have the pleasure with working with Mark but I have worked with Teresa and she is wonderful. I have been in the program for 2 years now and have 1 more creditor to settle with. It is concerning that you have left out debt when the goal is to take care of the debt. Juggling multiple playments would not have served me well at all. That why i left only 2 small ones out ofthe program so it did not put a strain on me. Could it be that you may have been delaying bankruptcy to begin with.

As for the BBB rating, hmm I have never weighed much on that report because my dad has a business and to be a member with that organization is simply to pay the dues and your in. These complaints are some times warranted and sometimes not. I come from the 'old school' where not everyone is going to be pleased, some would rather just complain about the company rather than look at themselves and accept some responsibility.

I am a huge fan of superior debt and do not have any unkind words for what they have done and given me back. having my angel Teresa certainly helped.

email removed for your protection - Goudah

I thank J Levi for his comment I have been reading entries re: Superior all morning trying to make a decision. I have seen one bad entry -vs- 20+ positive ones. That does confirm that everyone will not be pleased and more than likely will not accept some responsibility for their actions. They much rather blame others and expect for others to do all the work. - Thanks JLevi

I am with Superior also, and have been very pleased. I started out with nine credit cards in the program, with a total of $90,000 in debt, and after only seven months, three are already settled. They are always available when I call, for advice or information. Couldn't be happier with their service.

Plants....LOL. Superior Debt Services is a SCAM!!!!!!!!!!!!!!!

No Tom, it is not a scam, and we are not plants. Just check out the Better Business Bureau and you can see for yourself that Superior has an outstanding rating. I spent a lot of time scanning this site before I started, and found literally HUNDREDS of positive comments about Superior. A few negs also, as with any company, but those are generally resolved to the customer's satisfaction (that info also available on the BBB site). Anyone willing to do the research can find the truth easily enough and can prove Tom321 wrong.

By all means prove me wrong. And why are you referring to yourself
as WE when a BobbieJo never posted here and I never said anything about a BobbieJo specifically. What makes you think I'm talking to you? Kind of gave yourself away genius. Language is what I do....LOL. Second I did looked them up and it's the same crap as HESS KENNEDY. Has anyone learned anything from the HK fiasco????

First rule....if A debt settlement company charges upfront fees.....It's A SCAM.

Second I'll expose how it's very easy to to see it is a scam.
1. They are all set up the same. Now they have testimonials.
2. Testimonials are bogus.
3. They use the same names and word for word testimonials.

I crossed referenced the testimonials and all these bogus sites and they share the same testimonials word for word. Copy the testimonials and paste them is a google search and you will see it shows up on another phony debt settlement company's page.
Superior debt relief states Robin S had a testimonial but Robin S also has one on Debt Pointer. The same company that people are peddling here. Hhhhmmmmm. Curious you think? But it does not stop there. I copied and paste a testimonial from Superior Debt Relief and you know what.........the same testimonial from them is on Total debt solutions LLC word for word. Total Debt Solutions LLC is another one of these bogus SCAM sites. You guys are not very bright in your scheme.

NOW SAY ANYTHING I SAID IS WRONG. PROVE ME WRONG. STAY AWAY FROM THESE COMPANIES.

If anyone wants to know if a company is any good just ask me and I'll dig to see for you.

I have posted here before, on various topics. And I replied, because I have been in a successful settlement program and am nearly out of debt. I am not specifying which one, to prove I am not advertising for it. I said "WE" because there are many people in successful settlement programs that have benefitted from this site and sharing experiences good AND bad. And, if you are such a language expert, why are all of your entries filled with punctuation and capitalization errors? How can anyone take you seriously? Like anyone is going to ask your opinion about ANYthing? You can't even make a made-up profession sound convincing.

Made up profession????......LOL. WOW you really aren't that bright. Look up what I do genius. It's called a speech pathologist. It's not English writing class. And this is a blog not a term paper. Who cares about mistakes.

I also have degrees in Psychology and Sociology so I know people behaviors. But I digress.

PROVE ME WRONG ON ANYTHING I SAID.

Tip-offs that they are Rip-offs
Steer clear of companies that:

1. Guarantee they can remove your unsecured debt.
2. Promise that unsecured debts can be paid off with pennies on the dollar.
3. Claim that using their system will let you avoid bankruptcy.
4. Require substantial monthly service fees.
5. Demand payment of a percentage of savings.
6. Tell you to stop making payments to or communicating with your creditors.
7. Require you to make monthly payments to them, rather than with your creditor.
8. Claim that creditors never sue consumers for non-payment of unsecured debt.
9. Promise that using their system will have no negative impact on your credit report.
10. Claim that they can remove accurate negative information from your credit report.

If a debt settlement company offer this stuff....RUN.

And last ask this question because it is VERY important:

Are you licensed to offer your services in my state?

This one is so important. If your settlement company is across the country 99% of the time they can't offer services to you. If they say they are check with you STATE AG to be positive.

Post above provided by Tom321. Sorry I forgot to put my alias....LOL. C'mon people we know this stuff.

I have been in a debt settlement program, my debts are nearly paid off, and my credit score has begun to go up again. It has been a successful experience. The company I used does not fall into most of the criteria listed above, that's why you have to do your homework. I am not a plant, I have never advertised the name of the company I have used. There are success stories out there, and the moderators of this site know it, along with countless others that have shared their experiences about the process, going back to the beginnings of this site! Don't be swayed from doing your research and homework (which you should do anyway!) by an angry, foul individual who won't acknowledge the fact there are some good companies out there.

Of course there are good companies. Never said there wasn't. And if you are not a plant move on. I obviously wasn't talking to you. If you are a real consumer you should be on my side. If you used a good company let us know what it is. There are a ton of scam sites these days. People here could use that information. Stop speculating about who I am and what my motives are and start protecting the consumers here because nothing I've said is wrong and you know it.

I just see you and that waltj guy trying to tell on me as if I'm doing something wrong. Which by the way made my Sunday.....LOL. I love to laugh.

If I named the company, you would only call me a plant, like you already have called others who have had good success with the same company. Why don't you tell us all what your story is? Why you came to this site for help, and got it, and why you hate settlement companies? People come to this site in good faith, pouring their hearts out over personal problems that they can't even talk to their friends or families about, all in hopes of finding someone that can offer advice or aid. They don't want or need to be called names or ridiculed. I don't care who you are, but it absolutely makes me curious about your motives, and why you are so bitter and rude. Your credibility depends on it, as far as I am concerned.

My credibility is my truth. Have I lied in anyway????????? If so where????? Please be detailed and not vague.

It's not that you are untruthful about the facts of SOME settlement companies. By now, everyone knows the awful facts of Hess & Kennedy and Sifxpert. But there are some good companies that do good work, and people have a right to share that information on this site without automatically being called a plant.

BobbieJo, I am interested in the company you are with so that I can include them in my research. Which is the most important thing.

Superior debt relief (Superior Debt Services) has a ton of complaints against them with the BBB. I think that's a sign don't you?

STAY AWAY

Acutally, not a ton. I have just visited the BBB site, and this information is available to everyone: Seventeen complaints in the last 36 months, ALL OF WHICH HAVE BEEN RESOLVED. They work with thousands of clients, so this is miniscule. You also have to keep in mind the nature of the settlement process and the state of mind of clients going through it. It is exhausting and upsetting. Most clients usually can only settle one account at a time, and are frequently harassed by never-ending calls and threats, and sometimes (although rarely) sued by collectors. Emotions run high, and the client wants to lay the blame on someone else, so the settlement company is automatically blamed when nothing can be done at the time, only because the client does not have the funds to pay everyone at once.

Oh stop it. 17 complaints at one location and 4 at the other. They only have 2 locations so please.....how big is there client pool? All over the country right......LOL. 21 complaints IS A LOT. Cut it out and stop playing. You sound so off it right now. But that's OK, live your world if it makes you feel better.

So BobbieJo thinks it's the consumers fault people......LOL. Some of your statements really crack me up...really. You don't have legs to stand on but you keep trying to get up...LOL. The more you say the more you dig the hole so keep on.

STAY AWAY

Wow, Tom321 it looks like you have spent a lot of time looking this stuff up. If Superior Debt Services is a scam do you have any recommendations to one that is not? Or do you know of a way to FIND a good settlement company and not be taken in by scams. I have noticed that most of the ones posting their satisfaction in these forums are all guests, it at least makes me consider what you have said, though you are a guest yourself. If you have any advice please leave me a message or post here again.

Everyone knows that settlers like Sifxpert, that have taken the clients' money and not settled the accounts with it, is certainly to blame for those clients' added problems. But legitimate companies can have claims filed against them also. I have been through a settlement process, and can speak from experience how it is. From more than a year of researching it on-line, MANY consumer complaints with various companies come from being sued by creditors because the accounts could not be settled quickly enough, and the settlement company could not do anything for them because there were not the funds available to do so. That's the nature of a settlement program, especially if you have a lot of accounts to settle. I was simply stating some information that I discovered to be a common issue.

There is no reason, Tom321, for you to answer every single reply with childish rhetoric and name-calling. I'm beginning to think you're only about eight years old.

Only 17 complaints in three years, considering the thousands of clients they must have had, is very good for this type of company. And the fact all of those complaints are resolved also shows they are willing to make right what they can to the few people that are unhappy about something. I checked out several companies before I started my settlement, and most weren't even in the same league - they had a lot more complaints, unresolved complaints, and lower ratings. Anyone who is interested in entering a debt settlement program should check out all the companies you can, and compare. No company, especially one that deals with people in crisis situations, is going to have zero complaints. It's all relative.

Ladies and gentleman do you need anymore proof of who are the surrogates here. I think they have said enough. Thank you the two of you.

Nuff said on them.

Hi Tom321...wow you are pretty harsh there buddy. I am with Superior Debt Services and they are amazing. Not a plant furthermore WHY are you a guest. Are you a plant for another debt settlement company and defaming Superior for your own benefit?

Superior Debt is amazing they have helped me with getting my debt under control. I have only two more accounts to settle on and I'm done. The other amazing thing is Teresa Cadiz my counselor is still with the company. As I have found when doing my research years ago that employees come and go it is great to know that anytime I need her she is right there.

Tom321, did you ever utilize their services? How can you speak so ill of a company?

I am a customer of theirs and admire what they have been able to do for me. I have many postings here and I am NOT a GUEST......if anyone needs any testimony from me please let me know I will share in detail my fantastic experiences with Superior Debt Services.

Tom321, I feel pitty on you that you have to lash out at a company that does have a good grasp of settlement. If you are a psychologist be sure to take all that bitterness and hatered and try turning it into something positive.

I am disappointed with Superior because for over a week I thought these people were going to help me and then I get an email from a "consultant" who stated I did not meet the criteria. Now I am back at square one trying to deal with my debt. I am very leery dealing with any of these debt settlement companies. OakView wants a $400.00 fee and then $50.00 a month to service the account and then they can't guarantee they can settle with the account.

You guys need to take more classes on learning how to sound like real consumers and not sound so much like reps and surrogates. This will truly be my last blog statement about you guys. You guys sell yourself out by just commenting so I say keep posting here so we can figure it out faster. Thank you....all of you. You make my mission so much easier.

Thank heaven you will no longer be posting. Now the honest people can get back to using this forum for what it was intended: the exchange of ideas in an adult manner. No one is selling anyone out here. I know I have been through a successful settlement, and for you to deny that makes you a liar and no one needs that kind of behavior on this site. So good riddance.

Charbo62, I am curious why were you not qualified? I am with them and almost done there was 1 account that I could not put int he program because it was with a lawyer office. Being disapointed in not qualifying I can understand but there has to be good reason as to why. Becareful because they are great and would not want to subject you to a worse situation.

I am not sure why they stated I did not fit the criteria. He never would email me back when I asked what he meant. I am upset about being jerked around and now I am back at square one facing the dogs.

For me, I worked with Teresa you might want to give her a call. If she can help you she will do so right away, and if not then she can give you a direction to take. At least she will tell you why she cannot help you and also the directions available to have you a little bit better than facing dogs on square one. I know you have a bad experience, but if you are interested her number is 888-366-3414 extension 304. Good luck. She was very good to me.

Thanks melben. I think at this point I am going to have to go with some kind of Legal help. It has been awhile and I already have one of the cards suing me. I am very distraught over this because I am sure it will not be long before the other three do the same.

Thanks melben. I think at this point I am going to have to go with some kind of Legal help. It has been awhile and I already have one of the cards suing me. I am very distraught over this because I am sure it will not be long before the other three do the same.

charbo good luck.

Well....I commented, on another thread, that SDS is very pushy. To give everyone an 'update', I posted that SDS was very pushy and had called my home telling me they were going to send me an contract with them..............I told them, time and again, that I haven't decided what I wanted yet. They hung up on me. I feel they are a scam, too.

sdchargers_63 of course they are a scam. Just read their own site. It's obvious. It's the Hess Kennedy model.

I'm sure they are a scam. And I've read just a bit of their website. They had called me about their program. I din' even look at their website. However..........I've seen positive and negative things about them. In my OWN experience, they are very pushy and just did things WITHOUT my permission.

I am looking for help and need a good recommendation for a company.....please help.

JSBailey where do you live (State) and what are you looking to do. Settlement?

sdchargers_63, it could have been worst. You could have signed with them and found all this stuff out later. I think people are signing with these companies without reading the web sites thoroughly. If people would just take the time to read them it would be so clear.

Good for you bro, you dodged a bullet there...LOL.

hey, TOM..ain't that the truth!! I don't know how they could have written up a contract without telling me first. Of course, I never signed anything. When I told them, over the phone, that I din't want them to send anything to me, they seem to get mad. They wanted to send it Certified Mail...nope.

They are all a ripoff. The main reason is that they do not provide any service you cannot do for yourself. If you are in debt you should not consult with these agencies. For all those people with positive experiences guess what you got ripped off too. You could have done it all yourself and gotten yourself out of debt faster. I

What is a debt settlement company that is legit and works with Massachuetts residents. Is RAM Financial good?

What they do not do. they do not work with the creditors to reduce your debt. They do not contact the creditors in good faith as they say they will. They delay it and give you a lame excuse as to why they could not settle. They get a portion of what they settle on also.

Well, "Guest" above, you're no more honest than the company you're slamming, using THEIR name instead of your own. Talk about lame.

I do not know who to believe. I am trying to find a trustworthy company. No one seems to want to tell. If there was a legitimate company then why wouldn't someone mention there name. I guess then they would be a plant and we could not believe it anyhow. What to do?

You have to thoroughly reasearch not only the companies, but the debt settlement process itself. That's what I did. Made a list of every settlement company I had ever read about. Typed their name into the SEARCH box above, and read all the threads that came up. Started narrowing them down by throwing the ones out that had overwhelming negative remarks, and looking the others up on the BBB. Tossing out the ones that had low ratings or lots of unresolved complaints. Taking the ones left and starting the process over. Actually calling and talking to representatives of the companies. Asking every question I could think of. Learning about the settlement process. A lot of people go into it thinking it's a quick fix. It isn't. It's a last resort before bankruptcy. You can still be sued, and you will be taxed on the amount of the forgiven debt unless you are insolvent. It's not a day at the beach, and it's not fun. But it works.

Or you can just settle your accounts yourself. A lot of people do.

Has anyone used these guys? They day they are christian based and seem ok. I got them through the CNBC link and they are on the TASC list. I can not find anything on BBB for them. My other choice is Superior Debt.