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Debt Free for Believers - Help Ministries
1148 W Baseline Road
Mesa, Arizona 85210
And
Other Business Names:
DebtFreeForBelievers Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling
Number of BBB Complaints as of 7/17/08: 14
Members of BBB: Yes
BBB Profile
Business Start Date: January 1995
Number of Employees: N/A
Trade Organization Memberships: AADMO, U.S. Chamber of Commerce
Certifications: Bureau Veritas
Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs.
Is your company a non-profit debt organization?
Yes it is.
Do you offer pre-bankruptcy credit counseling?
No, the organization does not offer either service.
Are your counselors certified or accredited? If neither, how are they trained?
The counselors are certified through the NACCC and accredited through ISO and BV.
What trade organizations are you a member of?
AADMO
Is there a minimum amount of debt to qualify?
No, but the representative who provided answers for Payingpaul.com acknowledged that certain creditors have required minimums which may affect the structure of a client's debt management plan.
Do you deal with unsecured debt only?
Typically yes, at times however they can include a student loan into their debt management plans. But, there are no concessions offered on the student loans.
Do you require that all of my accounts are included in the program?
No, however, clients who have MBNA accounts (now Bank of America) must enroll all of their accounts into the debt management program per demand of the creditor.
How is the set up fee and monthly maintenance fee determined? What is the fee?
The fees are state mandated. There is a one time set up fee, ranging between $0-75, that is based on the state where the person is from, how much they owe, and how much they can afford. The monthly maintenance fee also ranges between $0-75 and is based off of the same three factors previously mentioned. The representative for Debt Free for Believers- Help Ministries stated that the average set up fee at this time is $46 and that the average monthly fee at this time is $26 for their debt management plan.
Are there any creditors that you do not work with?
No, however, the representative who provided answers for Payingpaul.com acknowledged that there are creditors who may not give concessions.
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
Clients enrolled in the debt management plan will receive statements from their creditors as well as the organization, and they also have online access to their statements while they are enrolled in their debt management program.
Do you have a refund policy for unsatisfied customers?
Debt Free for Believers- Help Ministries has a case by case policy for refunding clients.
(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.)
Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free!
Background
1148 W Baseline Road
Mesa, Arizona 85210
And
Other Business Names:
DebtFreeForBelievers Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling
Number of BBB Complaints as of 7/17/08: 14
Members of BBB: Yes
BBB Profile
Business Start Date: January 1995
Number of Employees: N/A
Trade Organization Memberships: AADMO, U.S. Chamber of Commerce
Certifications: Bureau Veritas
Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs.
Is your company a non-profit debt organization?
Yes it is.
Do you offer pre-bankruptcy credit counseling?
No, the organization does not offer either service.
Are your counselors certified or accredited? If neither, how are they trained?
The counselors are certified through the NACCC and accredited through ISO and BV.
What trade organizations are you a member of?
AADMO
Eligibility for Debt Management Plans
Is there a minimum amount of debt to qualify?
No, but the representative who provided answers for Payingpaul.com acknowledged that certain creditors have required minimums which may affect the structure of a client's debt management plan.
Do you deal with unsecured debt only?
Typically yes, at times however they can include a student loan into their debt management plans. But, there are no concessions offered on the student loans.
Do you require that all of my accounts are included in the program?
No, however, clients who have MBNA accounts (now Bank of America) must enroll all of their accounts into the debt management program per demand of the creditor.
Services
How is the set up fee and monthly maintenance fee determined? What is the fee?
The fees are state mandated. There is a one time set up fee, ranging between $0-75, that is based on the state where the person is from, how much they owe, and how much they can afford. The monthly maintenance fee also ranges between $0-75 and is based off of the same three factors previously mentioned. The representative for Debt Free for Believers- Help Ministries stated that the average set up fee at this time is $46 and that the average monthly fee at this time is $26 for their debt management plan.
Are there any creditors that you do not work with?
No, however, the representative who provided answers for Payingpaul.com acknowledged that there are creditors who may not give concessions.
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
Clients enrolled in the debt management plan will receive statements from their creditors as well as the organization, and they also have online access to their statements while they are enrolled in their debt management program.
Do you have a refund policy for unsatisfied customers?
Debt Free for Believers- Help Ministries has a case by case policy for refunding clients.
(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.)
Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free!