> You only have a few options:
  1. Credit Counseling – best for your credit, can you afford it?
  2. Get a loan – Behind or over-extended, can't do it.
  3. Bankruptcy – Rather have a 13 or Settlement?
  4. Pay creditors directly – If your pay forever plan was working, you wouldn't be looking for help.
  5. Debt Settlement Group

Shopping Debt Settlement

Debt Settlement is a viable option to help you eliminate your debt. However, if you choose an inexperienced company, you may find yourself in worse shape than you already are. We are confident that after your due diligence is done, Debt Settlement Group will be the clear choice as your debt settlement company. Print out and Use these questions when researching:

  1. How long have you been in business?

    • Young companies have very little experience. If they can't provide proof of their experience, RED FLAG. Don't take their word for it, either. Check on them by finding out when their website was registered and the BBB. Use our Options Learning Center Debt Settlement Scams to learn more.

    • Debt Settlement Group has been open for almost 10 years! Our track record is proven.

  2. Who does the Customer Service and Settlements?

    • Some companies outsource this to another company. They use a third-party Servicing Center that perhaps used to do other types of work, such as mortgages, and have converted over to Settlement and therefore make the claim they have been in business for a long time. What they don't tell you is that they used to do something else for most of that time. If they don't do the work themselves, RED FLAG.

    • Debt Settlement Group does our own Customer Service and Negotiations.

  3. What are your fees?

    • A company should charge fees based on performance and results, not upfont. If any fee is collected upfront, RED FLAG.

  4. Do you offer more than just Debt Settlement?

    • Most companies only offer 1 service, and therefore they are biased. If they only offer Debt Settlement, RED FLAG.

    • Debt Settlement Group offers Debt Settlement, Credit Counseling, Loans, and custom repayment plans.

  5. Are you being paid a commission?

    • Salespeople may stretch the truth or leave out vital information if they are paid commission. If they say Yes, RED FLAG.

    • Debt Settlement Group representatives are paid salary and are very upfront with the offered programs.

  6. Will you make monthly payments to my creditors?

    • Settlement programs do not make monthly payments. If they give you the impression they will, RED FLAG.

    • Creditors are paid once you have lump sum money available and a mutually agreeable settlement offer.

  7. Can you stop creditors from calling me?

    • It is not possible to stop all creditor calls. If they say they can, RED FLAG.

    • Debt Settlement Group will take steps to reduce or stop creditor calls.

  8. Can I be sued?

    • Yes, it is possible. If they say otherwise, RED FLAG.

    • Debt Settlement Group will continue to negotiate a settlement even if a lawsuit is filed.


Call DebtRx - for credit card debt relief services. 1-866-601-7857 for a free analysis.