Legal Debt Relief Programs - How To Know If A Debt Relief Program Is Legitimate

Legal Debt Relief Programs - How To Know If A Debt Relief Program Is Legitimate

When the consumers look for legal debt relief programs, there are a number of things that the consumers need to take care of. The consumers need to find out whether a debt relief program is legitimate or not. This is because of the fact that there are several relief programs which are not authentic and they are simply scam. They cheat the consumers by taking service fee in advance and then these programs never negotiated with the creditors. Thus, the consumers need to very sure about the relief program that they are selecting. Here are some of the ways that the consumers can use to identify a legitimate relief program:

First: The relief programs which spends a considerable amount of time speaking with the consumers face to face and calculate the money that the consumers can afford in settlement and then send an offer letter to the creditor is a real and authentic one.

Second: If a firm is registered with the Better Business Bureau, it is authentic. This is because of the fact that the Better Business Bureau actually certifies the quality of the services offered by a business. The firms which are registered with the BBB need to pass the tests of ethical standards.

Third: The firms which are registered with The Association of Settlement Companies are authentic. The activities of the firms registered with TASC are all monitored and regulated.

Fourth: Firms which have a legal representation are all authentic. The presence of an attorney makes a program a legitimate one and the consumers can actually trust them.

Fifth: The consumers need to find out whether the relief programs are asking for advance payments of the fees. If they are asking for upfront fees, they are not authentic. This is because of the fact that the Federal Trade Commission has now banned upfront fee collection and only the fraud companies will continue with this practice.

Debt settlement can make financial sense for consumers and small businesses that are experiencing a financial hardship and have at least $10k in unsecured debt. It is not the only option however. Check out the following link to speak with a debt relief specialist that can go over all your options for free.

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