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Choosing a Debt Management Program

Warning:
DO NOT Begin any Debt Management Program,
UNLESS the Company You Choose Meets these Six Criteria:





In fact, if these six criteria are not met, don't even get your hopes up...


  1. The company has been in business for over one year.


    If 9 out of 10 new businesses fail within one year, why would you want your financial future dependent upon the success of a brand-new business?


    There's been an explosion of debt management, debt settlement, debt negotiation and credit counseling companies in the past 1-2 years. Check to see when the company you're looking at began operations. BEWARE of brand new companies that will ask for your business today, yet will be out of business by this time next year.


  2. The company's Reliability Report with the Better Business Bureau is both listed and free of unresolved complaints.
    Check here and watch out for companies with a long list of complaints:www.bbb.org


  3. Look at how long the company has been in business and contrast that against the number of complaints the company has had. It's very rare for a company to be in business for very long without getting any complaints, although some have done it. Pay close attention, however, and RUN from any company who's only been in business for a short time yet has a list of complaints with the BBB.


    If a company does have complaints, be sure they are resolved. Ask the company about the complaint and trust your gut when you hear their response. Is it genuine and understandable or do they sound defensive like they are covering something up?


  4. The company requires complete information from current statements BEFORE ever giving you a quote.


    The Debt Consultant / Counselor / Specialist requires you to provide all current statements for your debt accounts before quoting you a monthly payment amount, length of program or estimate of how much you can reduce your debt.


    Beware of anyone who gives you a quote without thoroughly researching your account statuses, creditor names, balance transfer, cash advance and large purchase activities, minimum payment amounts and interest rates FIRST. This is the surest sign of a company who is only out for your initial fees and either has no intention or ability to service your accounts after you sign up.

  5. Credit Card Debt Solution

  6. The company is working for you, not your creditors.
    In whose best interest is the company looking out for? Better make sure you know! If you ask a bankruptcy attorney what your best option is, what do you think you'll hear? Of course: bankruptcy. But is it really best for you, or best for the attorney who gets paid a healthy fee and never suffers the consequences of the bankruptcy filings that you must live with for the rest of your life?


    What about the Mortgage Banker or the Credit Counselor? Think they work for you? Think again...
  7. Cut your debt Get 10p for each valid enquiry form. The enquiry form is on every page and only requires basic contact details. Also get 100 tickets into our competitions! Cutyourdebt.co.uk Our site offers a variety of debt solutions, including debt management programs and IVAs for clients who are struggling with their unsecured debts (loans, credit cards, storecards and catalogues). home How it works contact us terms & conditions competition forum bottom.

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  8. The company is focused on helping you find the right solution for your situation, not forcing you into the only solution they provide.


    Is it possible for a company who only provides a single solution to provide you with unbiased guidance in making such an important financial decision? Maybe. But is it likely? No way. There's a trend in financial services that a few companies are finally catching on to, and that is focusing on a client's needs and meeting those needs, instead of trying to "put a square block into a round hole".


    Many companies specialize in a single solution and they are indeed the best at providing such a service, but how do you know that's the solution that's best for you? Who do you go to for guidance in deciding what's best for your situation? Look for a company who can provide any solution you may need. Find a company whose focus is finding your best solution, instead of fitting "their solution" onto you.
  9. There are many companies out there offering "Debt Consolidation" which is also known as Bill Consolidation, Bill Management, Debt Consolidation Loan, Debt Management Plan, Credit Counseling, Credit management and Debt Elimination. Many make many claims that seem almost too good to be true. Consolidate your debts into one low monthly payment.

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  10. The company has real results, a solid, proven track record and plenty of actual clients who are raving fans recommending their services.
  11. Are you in debt We have solutions and guides for debt reduction, debt consolidation, debt management, IVAs, >

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    Take some time to read testimonials, if they are offered at all. Ask yourself if they are genuine. Listen if you can. Look for a company who can show you examples of what they do, proof of the results they claim and plenty of people to refer to who have experienced the company's services.


: THE resource for home business! Texas firm that provides debt programs for consumers. creditcards.co. UK Credit Cards and Credit Repair. Get a good Credit Rating and Clean Credit History. Consolidate Debt has helped thousands become debt free paying less and in a shorter amount of time with our credit repair program. We give you a free educational consultation of debt assistance.

Credit

Avoiding your creditors will make your credit problems worse and your debt management plan will not work.

Bad Credit Debt Consolidation Jesse Niesen is the COO of STARTOVERTODAY.COM, a Nationwide Financial Solutions Company solving financial, debt, and credit problems for clients nationwide. Through a variety of debt management solutions, STARTOVERTODAY.COM has helped thousands of people resolve over $20,000,000 of unsecured debt since 2002 - without any complaints to the BBB.

Credit Card Solution This team of Financial Strategists offers all debt management solutions to help you make your best choice for immediate debt relief and long-term financial success. And they offer these options available to you without bias, including credit card debt reduction, credit card debt elimination, unsecured debt settlement, unsecured debt consolidation, and more! Call toll-free 1-800-251-1991 of visit www.startovertoday.com to become DEBT FREE today!

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