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A Safe Harbour Credit Management
PO Box 9228
Virginia Beach, VA 23450
Other Business Names: A Safe Harbor Credit Management, 40Debts, Harbour Credit Counseling Services
Summary of Business: Credit Counseling, Debt Management, Debt Consolidation
Number of BBB Complaints as of 7/17/08: 22
Members of BBB: Yes
BBB Profile
Business Start Date: December 1995
Number of Employees: 50
Trade Organization Memberships: AADMO (American Association of Debt Management Organizations), Consumer Federation of America,
Certifications: BSI (British Standards Institute), NIFE (National Institute for Financial Education)
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 organization?
Yes
Do you offer pre-bankruptcy credit counseling?
No
Are your counselors certified or accredited? If neither, how are they trained?
Yes, counselors are certified by the National Institute for Financial Education
What trade organizations are you a member of?
AADMO, NIFE, Consumer Federation of America, NACCC
Is there a minimum amount of debt to qualify?
$2,000
Do you deal with unsecured debt only?
Yes
Do you require that all of my accounts are included in the program?
No, however, a creditor may require all accounts to be included (Bank of America)
How is the set up fee and monthly maintenance fee determined? what is the fee?
The fee is based on state regulations as well as the amount of debt enrolled
Are there any creditors that you do not work with?
Dell and Credit One do not work with Safe Harbour Credit Management
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
Each client receives a monthly statement indicating accounts paid, the date, and amount paid to each. You will also be introduced to your personal Account Advisor, a trained creditor expert, who will supervise your accounts and alert you of any changes in creditor policies.
Do you have a refund policy for unsatisfied customers?
Unless the funds have not been sent to the creditors yet, Safe Harbour does not have much say in the matter. The decision to refund if the funds have been sent out would be up to the creditors.
(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
PO Box 9228
Virginia Beach, VA 23450
Other Business Names: A Safe Harbor Credit Management, 40Debts, Harbour Credit Counseling Services
Summary of Business: Credit Counseling, Debt Management, Debt Consolidation
Number of BBB Complaints as of 7/17/08: 22
Members of BBB: Yes
BBB Profile
Business Start Date: December 1995
Number of Employees: 50
Trade Organization Memberships: AADMO (American Association of Debt Management Organizations), Consumer Federation of America,
Certifications: BSI (British Standards Institute), NIFE (National Institute for Financial Education)
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 organization?
Yes
Do you offer pre-bankruptcy credit counseling?
No
Are your counselors certified or accredited? If neither, how are they trained?
Yes, counselors are certified by the National Institute for Financial Education
What trade organizations are you a member of?
AADMO, NIFE, Consumer Federation of America, NACCC
Eligibility
Is there a minimum amount of debt to qualify?
$2,000
Do you deal with unsecured debt only?
Yes
Do you require that all of my accounts are included in the program?
No, however, a creditor may require all accounts to be included (Bank of America)
Services
How is the set up fee and monthly maintenance fee determined? what is the fee?
The fee is based on state regulations as well as the amount of debt enrolled
Are there any creditors that you do not work with?
Dell and Credit One do not work with Safe Harbour Credit Management
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
Each client receives a monthly statement indicating accounts paid, the date, and amount paid to each. You will also be introduced to your personal Account Advisor, a trained creditor expert, who will supervise your accounts and alert you of any changes in creditor policies.
Do you have a refund policy for unsatisfied customers?
Unless the funds have not been sent to the creditors yet, Safe Harbour does not have much say in the matter. The decision to refund if the funds have been sent out would be up to the creditors.
(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!