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Don't fall for Debt Settlement Scams

We see many new companies and websites open up weekly that appear to offer the same thing and claiming to have been in business for a lot longer than they really are or claim they have credentials they don’t really have. Such as stating they were featured on MSNBC, FOX, CBS etc. but in reality, they only paid to have a commercial played on those stations, they were not “featured”.


This is confusing debtors as to who, and what, is valid or truthful. What we suggest is 3 things.


First, check with a website registrant (a place to buy, sell and register websites), such as, to see how long the website has been active. Scroll to the bottom of the home page and choose “Who Is search” under Resources. Here you can enter the name of the website you’re checking on to determine if the website is brand new, or has been around for a while. Follow the directions and it will show you who registered the website, and When. Find a company that has been in business at least 5 years and don’t take their word for it.


Second, once you find someone that has been in business for 5 or more years, check their BBB record.

  • How long does it say they have been in business?
  • When was the BBB file opened?
  • Are there unanswered complaints?

Third, Are they member of a trade organization?

Though this is not always the best way to determine if the organization is legitimate, because to belong to most trade organizations you just need to pay the fee to belong, but it could show the company is stable enough to afford to pay to belong. Make sure the company has an ACTIVE status.


Fourth, use these questions when searching for a legitimate when searching for a legitimate settlement firm.



Debt Settlement Debt Negotiation works by negotiating the balance owed on your unsecured debt so the amount paid is less than owed. We design an affordable monthly savings plan and your savings are used to obtain a deal from your creditors.

Most likely, yes. Any time you are behind, with or without a program, you will receive calls. However, many creditors are accommodating. Additionally, calls may reduce after the original creditor receives a detailed hardship letter from you.

Debt Settlement or Debt Negotiations effect on your credit score will depend on your current credit status before starting any settlement program. Very few people with debt problems have perfect credit and debt settlement is meant to be a hardship program.

About Our Company

We are the Debt Rx and are one of the longest operating Debt Settlement and Debt Negotiation firms in America. We are not the largest, because our focus has been more on personal attention and service of existing clients than that of enrolling new ones.