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A company can charge you only a portion of its full fee for each debt it settles. The company successfully negotiates a settlement with one of your creditors.The company can charge you only a portion of its full fee at this time because it still needs to successfully negotiate with four other creditors.Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is.
They can tell you if any consumer complaints are on file about the firm you’re considering doing business with.
Avoid doing business with any company that promises to settle your debt if the company: Before you enroll in a debt settlement program, do your homework.
You’re making a big decision that involves spending a lot of your money — money that could go toward paying down your debt.
Read what others have said about the companies you’re considering, including news about any lawsuits with state or federal regulators for engaging in deceptive or unfair practices.
If you do business with a debt settlement company, you may have to put money in a dedicated bank account, which will be administered by an independent third party.