Debt Consolidation or Debt Settlement? – What Is Financially Best For You?

Debt Consolidation or Debt Settlement? What Is Financially Best For You

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Are you thinking about using a debt relief company, but not sure how to find a company that is reputable, honest, trust worthy, that will save you money and won't ruin your credit in the process? Do you want the ability to negotiate debt settlements with lien holders, banks, or credit card companies? Are you considering debt consolidation? Do you have over $10,000.00 of debt with credit cards?

Advance your knowledge with our debt relief company reviews and get the knowledge to move ahead.

* Did you do an initial research on the company to your satisfaction?

The first thing to do is check the company credentials. Are they a Member of TASC- The Association Of Settlement Companies? TASC is a non-profit organization that lobbies on behalf of debt collection companies on both the state and federal level. TASC's goals are to promote good practice in the debt settlement industry and protect the interests of consumer debtors. In order to be a member of TASC, a company has to follow a stringent set of requirements, with disclosures as well and maintain them through continual review.

Ask if they are a Member of IAPDA - International Association of Professional Debt Arbitrators. Those who associate with IAPDA are Certified Debt Specialists and Arbitrators. Membership in the IAPDA provides training, certification, debt settlement industry knowledge, legislative updates and important peer credibility. Make sure to ask the company any other questions relevant about their history and experience.

* Ask about your ability to see your estimate immediately online!

Always save time! Quality companies offer a free debt analysis online immediately! Always make sure there is no obligation, and no initial credit check. Make sure it is 100% confidential! Will there be one debt specialist who will work with you, or is it always a team effort?

* Is the company efficient and responsive?

Have they demonstrated a good history of successfully reducing millions of dollars of consumer and small business debt? Are you impressed with their proven track record? A top notch efficient company can enable you to improve your financial status and reach your financial goals, plus provide additional comfort and security as you move forward to resolve a debt problem.

* Were you able to maintain good solid communication on the telephone?

Always be able to speak with your debt negotiator whenever you want and negotiate good mutually acceptable settlements! Can they let you approve the final settlements and will they advise you as to what is the best way to go based on your unique situation? Many debt settlement companies just want to make as much money as possible without any caring or real regard for your best interest.

* Always be sure you get a written guarantee!

When you must consider several different options regarding consumer credit counseling, debt negotiation, debt consolidation or bankruptcy, ask the representative if their services are backed by a quality guarantee. As it is implemented appropriately, a good written guarantee can improve service quality, customer satisfaction issues and customer loyalty quite well.

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