 With the struggling economy, many people are finding themselves deep in credit card debt. Therefore, consumers are forced to turn to debt consolidation in order to get control of their finances. However, before a person decides to consolidate their credit card debt, they need to be aware of the credit... |
|
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
| IPayDebt Financial Services, Inc. |
|
Background Other Business Names: I Pay Debt Financial Service, IPayDebt 9433 Bee Caves Rd Building 3, Suite 101-A Austin, TX 78733 Members of BBB: Yes Business Start Date: 2003 Number of Complaints to the BBB: 0 Summary of Business: Debt Consolidation,Debt Managementand Credit Counseling BBB Profile Trade Organization Memberships: AADMO (American Association of Debt Management Organizations) Certifications: National Association of Certified Credit Counselors(NACCC) 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? Yes, the agency offers both services. Are your counselors certified or accredited? If neither, how are they trained? The counselors are certified and accredited through the NACCC (National Foundation for Credit Counseling) and the COA (Council on Accreditation). What trade organizations are you a member of? AADMO Eligibility for Debt Management Plans Is there a minimum amount of debt to qualify? No, there is not a minimum amount of debt required to qualify for their debt management program. Do you deal with unsecured debt only? Yes, the debt must be unsecured to enroll in their debt management plan. Do you require that all of my accounts are included in the program? No, but if a client has an account with Bank of America the creditor will require them to enroll each account. Services How is the set up fee and monthly maintenance fee determined? What is the fee? All fees are state mandated. There is no one time set up fee. Are there any creditors that you do not work with? IPayDebt Financial Services, Inc. cannot work with Dell. 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 will receive monthly statements from the agency and their creditors. In addition, clients have access to their statements online. Do you have a refund policy for unsatisfied customers? Refunds are handled on a case by case basis. (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! |
Featured Articles
|
Credit is a useful tool and when handled responsibly allows us to obtain credit cards, loans for homes, cars and other big ticket items. The better we handle our credit, the better the terms that are offered to us from lenders including higher credit lines and lower interest rates.
If, however, a... |
The dismal economy is having an adverse effect on people around the globe with millions facing tremendous amounts of debt. For many, escaping their debt seems like a far off dream but it doesn't have to be! By applying a few simple guidelines to your spending habits, you can begin to reduce credit card... |