Choosing a Company

Imagine having peace of mind because you know your money is safe and set aside for paying down your debt? What if you could say your future was secure because you were working to eliminate your debt? These goals are not out of your reach. Our business is to settle and negotiate your credit card and unsecured debt on your behalf.

Many companies are springing up who offer debt settlement services. We have prepared a list of questions to ask before making a choice to move forward. Do your homework and trust your instincts.

Here are things to look for:

• Do they have a long track record in business? (> 3 years is good) 
• Are they up front with the fees for service? Let's face it, companies can't do this work for nothing. It's a question of value. Find out what they charge, when you pay and what you'll receive in return.
• Do they make guarantees about how much will be settled? If they do, that's a potential problem. Every personal situation is different and settlements will vary, sometimes widely. A company should be up front and tell you that your settlement will have a range and depend upon your complete personal situation.
• Ask how you will receive updates about your account including what creditor communication takes place and when settlements are made. You should have access to your account information 24/7.
• Do they provide consumer debt education? Can they help teach you how to get debt free and manage money better?
• Do they provide ongoing support? Who would you call for questions? Who would you talk to if you are sued?
• Does the company have a physical location you can visit? Many debt settlement companies are small and working out of their homes. Your information might not be protected so it could fall into the wrong hands.  We have secure systems to protect your data.
• Do they have a paperless system to further protect your data? Many small debt settlement startups will have your personal file information scattered all over the office and viewable to everyone that walks by. Our company keeps all of your information electronically secure and protected in our secure servers off site.
• Does the settlement company belong to industry associations such as The Association of Settlement Companies? Participation in industry groups signifies a dedication to credibility and integrity.
• Does the settlement company use a third party trust or escrow account to manage your settlement funds? This is important. Many small companies keep your money in their own personal accounts. Stay away from those.
• Can you cancel easily? Understand their cancellation policy and make sure it's in writing.

So choose wisely. Do your homework and know where your money is going.