logo

Debtconsolidationcare.com - the USA consumer forum

Debt settlement

Date: Fri, 06/04/2010 - 09:28

Submitted by anonymous
on Fri, 06/04/2010 - 09:28

Posts: 202330 Credits: [Donate]

Total Replies: 6


I have signed up with a debt settlement company, and I was wondering if Ive done the right thing. They are not very responsive to phone calls, I have given them banking imformatin and they have gotten it wrong. Can I get out, and if so am I better with credit relief, or a consolidation program.


Make sure you check the Better Business Bureau rating of the company at http://bbb.org
Also, because of upcoming new legislation you will want to avoid any company that charges Upfront Fees, meaning your payments for the first 3-6 months are going all to the company, NOT towards settling the account. Another bad sign is the creation of "escrow accoutns" and monthly maintainence fees. Because of the new laws going into effect a Debt Resolution company that has attorneys doing Bankruptcy Law in YOUR state, is the BEST company to do business with. Most of the companies I discovered on the BBB that do debt settlement are rated "F".


lrhall41

Submitted by jon tillary on Sat, 06/05/2010 - 10:38

( Posts: 4 | Credits: )


The companies have already figured out a way around the no upfront fee thing. A company here is charging $2000 to $3000 for educational materials. Then they charge you $500 when they have completed the settlements (if they can settle for you). I figured they would think of something and they did. They claim the state commerce department has signed off on it - like it's legitimate. But I think that the state just legally didn't have a way to stop them.

Do it yourself. It's not as hard as as you think it is and you remain in control of the situation.


lrhall41

Submitted by Debt Free to Be on Mon, 06/07/2010 - 09:03

( Posts: 412 | Credits: )