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June 13, 2012

Considering Debt Settlement? 10 RULES to Follow!

The best debt settlement companies have certain traits in common, follow these ten rules to ensure you are with the right company.

Follow these — 10 RULES — When looking to join a debt settlement program.

Debt Settlement is one of the most cost-effective ways to pay off “unsecured debt”, besides for debt validation often being the least expensive route. But choosing the right company can often make the difference between “success” and “failure”.

Reputable debt settlement companies use the “bulk settlement approach”, allowing them to solidify bigger discounts on settlements for their clients.

Debt Settlement companies will often bulk together a massive number of clients’ worth of debt at a given time, then negotiate with the credit card companies, but negotiate on million’s of dollars worth of debt at a given time. Credit card debt settlement plans when administered in this manner will save consumers the most money and getting them out of debt in the fastest time frame. However; if you join a debt settlement program with the wrong company, bad credit and more debt can often be the outcome. Here are 10 rules to consider before joining with a debt settlement company.

10 Rules to follow when looking for the Best Debt Settlement Companies to work with.

  1.  When obtaining debt settlement help, sign up with a company that has been in business for 5-PLUS years. Make sure they have a proven track-record and a sufficient volume of clients. And don’t just take their word for it, actually look up their time in business at either their state’s division of corporations website or at BBB.org.
  2. What is their plan of action if your creditors issue a lawsuit? Make sure they have “lawsuit and legal defense” included.
  3. The best debt settlement companies have an A+ Rating with the Better Business Bureau.
  4. Debt Settlement programs should last for no more than 48 months, but usually, should be completed in less than 3-years.  The company should not offer consumers a 6 or 7-year plan (RED FLAG) just to give them a smaller payment.
  5. Debt settlement companies should only collect their debt settlement fee when debts are paid off, and not up front. (a performance based fee)
  6. What kind of customer service do they have? You want to be able to call in and speak to an experienced customer service representative or legal assistant when you have questions. Call-in frequently after you sign up for the program and make sure you can talk to an agent with ease. You can cancel the program immediately if you sense the company only has one or two employees working from home!
  7. In the 1st 30 days of the program, your creditors should be contacted, and you should receive instructions on how to access your account online. The company should provide you a welcoming package and a welcoming phone call to go over your welcoming package. The company should educate you on how to handle creditor phone calls, where to send collection letters when you receive them, and education on your consumer rights. If you don’t get any correspondence or attention during those first 30 days, cancel.
  8. The debt settlement company should have NO UNRESOLVED COMPLAINTS at the Better Business Bureau. Just because they have an A rating, make sure to also look at reviews and complaints.
  9. Check online at Google and Yelp for customer reviews. Do not sign up with a company that has lots of negative reviews, and only positive reviews on their own websites.
  10. Before signing up on a debt settlement plan the company should have an experienced debt counselor explain all credit card debt relief options to you. Don’t sign up with a company that tells you debt settlement is their only option and that you should only look into debt settlement. Debt validation, debt assumption, debt consolidation and consumer credit counseling are all viable debt relief options for 2017.

Next, we recommend you learn about the best way to consolidate credit card debts

118 Comments

  • Montre February 25, 2017

    Debt settlement is awesome. I was able to get my balance reduced from $7,800, down to $4,100 including Golden Financial Services fees.

    reply
  • Delany February 26, 2017

    I signed up with a company called Freedom Debt Relief. I just canceled after receiving a lawsuit on one of my debts. I wish I found these rules before joining with Freedom Debt Relief Services. Can you guys still help me even if I received a lawsuit?

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    • https://nomorecreditcards.com/wp-content/themes/Sterling/images/global/img-default-grav.png
      Paul Paquin May 11, 2017

      Absolutely we can help you. We can deal with the lawsuit and put you on a debt validation program for the other debts. Just call the Debt Relief Hotline at 1-866-376-9846 and we can go over your options, no obligation or pressure will be involved, just purely informational.

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  • Carter Simpson February 26, 2017

    Can debt settlement deal with student loans?

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    • https://nomorecreditcards.com/wp-content/themes/Sterling/images/global/img-default-grav.png
      Paul Paquin May 11, 2017

      Yes, it can, but there are better options you can pick from. Just give us a call at the number above.

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  • economics tuition March 26, 2017

    Debt settlement is a great option. My brother just used debt settlement for his car repossession. He was able to resolve it for less than half the balance and get it off his credit report. So it works, but I agree with this list be careful when trying to pick the right company, too many scams out there.

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    It’s great to see this list. I am in the middle of trying to decide on a debt settlement. After reading this page I used the tips and they probably saved me a lot of money. One of the company’s I was about to sign up with is National Debt Relief. I heard on the radio about how they could wipe away my debt. I then checked their BBB rating and they had an “A” rating but over 40 complaints just from this year. The nature of the complaints scared the heck out of me. How do they have an “A” bbb rating.

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