Credit Card Debt Laws That You Need to Know
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Paying Off Debt With Debt Consolidation
Living with debt is by no means easy. There’s the constant concern of living paycheck to paycheck and the never ending issue of covering monthly bills and living expenses. While most of us pride ourselves on being self-sufficient, it’s hard to ignore that we all sometimes live well beyond our means....


A more complete debt settlement calculator
Debt Settlement USA, Inc.

16430 N. Scottsdale Rd. #400
Scottsdale, AZ 85254
Other Business Names:
Summary of Business: Debt Settlement, Credit and Debt Counseling
Number of BBB Complaints as of 6/17/08: 85
Members of BBB: Yes
BBB Profile
Business Start Date: September 2001
Number of Employees: 134
Trade Organization Memberships: IAPDA (International Association for Professional Debt Arbitrators), BBB

Note: PayingPaul.com could not find much information regarding the actual settlement program for Debt Settlement USA. It is noted that Debt Settlement USA is one of the leading companies in the debt settlement industry in terms of size (as one of the press releases shows Debt Settlement USA negotiating a record number of settlements for a single month), but it does have a much higher number of complaints with the BBB, which of course could be tied into its size. If you are a representative from this company and would like any information completed or updated, please contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it

Fees


What is the total fee for the program?


The fee includes a percentage that is based on the amount of debt enrolled, income, etc. and is included in the monthly payments

Over how many months is the fee paid?


N/A

Do you have a set up fee?


N/A

Do you have a money back guarantee?


N/A



Do you charge a fee based on how much I save?


N/A

Eligibility


What type of debt do you work with?


N/A

What is the minimum total unsecured debt one must have in order to qualify?


$12,000 as well as $1,000 per account

Does a client need to include all of their unsecured debt in the plan?


No, it is recommended that you keep one account out for emergencies

Services


Do you do the negotiations yourselves?


N/A

If not, who is the company you use for negotiations?


N/A

Creditor Calls


Do you send a Power of Attorney to notify the creditors that a client is enrolled in your program right away?


Debt Settlement USA contacts each of your creditors immediately upon enrollment into their program.

Do you send a Cease & Desist letter to my creditors?


N/A

Can I change my phone number & address to your company�s phone number and address?


N/A

Do you have a consumer advocacy group help me with calls?


N/A


Do you think that your debt agency may not have your best interests in mind? Check out PayingPaul.com's articles on debt scams, frauds, and rip offs

(Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.)

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