Qualifying Your Debt Company18 Questions to Ask a Debt Negotiation/Settlement Company
Are you members of The American Fair Credit Council (AFCC)? Is your company listed on the AFCC website?
America Debt Resolutions is a charter member of the original American Fair Credit Council since 2007.
Are you ACCREDITED members with the American Fair Credit Council or just members? Can you show me your BSI certificate of accreditation?
America Debt Resolutions is a 7th YEAR ACCREDITED member of the American Fair Credit Council (AFCC) and one of eight accredited members in the country. Certificate No. TASC538093 BSI
Are you listed as an accredited member on the AFCC website? http://www.americanfaircreditcouncil.org/our-members.
Are you bonded, by who?
America Debt Resolutions is Consumer Debt Management Services Bonded by Hartford Casualty.
America Debt Resolutions Bond No. 21BSBGD7067
Are they certified and members of the International Association for Professional Debt Arbitrators (IAPDA)?
America Debt Resolutions is IAPDA Silver Level Certified with certified Associates, 100% of our negotiators are IAPDA certified. http://www.iapda.com.
How many complaints do you have with the Better Business Bureau? What is their rating on the BBB website?
America Debt Resolutions has an A+ with the Better Business Bureau (BBB) and continues to have Zero unresolved complaints with only 6 complaints received in over 9 years and Zero in the last 12 months.
America Debt Resolutions is the only debt settlement company in the Dallas Forth Worth BBB who has received and maintain an A+Rating in the debt settlement industry.
How much money do you save or accrue in the first 3-4 months for settlements or are all funds applied to service fees?
You want your company to allow you to accrue savings, pay no upfront settlement fees, enrollment fee’s or claim fees.
America Debt Resolutions does not charge any fees for debt settlement, negotiations or payment resolutions prior to completing settlements in writing and a securing a first payment to your creditor. America Debt Resolutions is performance-based, the total fees for our programs range from 16% to 21% of the enrolled debt balances that are settled.
All savings stay in your FDIC insured Special Purpose Account to help accrue your savings.
What do they do to try to help reduce/minimize Creditor Harassment from calls and letters?
America Debt Resolutions offers the FDCPA program which is a protection that allows consumers to purchase legal protection plan that stops and protects you and your family from Creditor Harassment.
Do they monitor your creditor calls and correspondence? Or will you have to be calling 9. and sending them everything yourself?
What is their client support like? Do you have a dedicated team assigned to you throughout the program? Are you in the hands of a call center? Is the customer support outsourced?
Do you work with a National Law Firm who will represent you if a creditor pursues you legally?
How long have you been in business?
Do you have a GAAP audit? How do you know they will be in business in the future?
GAAP is the common set of accounting principles, standards, and procedures that companies use to compile their financial statements, GAAP is a combination of authoritative standards (set by policy boards) and simply the commonly accepted way of recording and reporting accounting information
Do they have proof of settlements?
Do they have a written service fee guarantee in the paperwork?
Do you provide negotiations in-house or do you hire a separate company to negotiate my debt? Does my “Client Services Department” and the “Negotiations Department” work for you?
Who controls my savings while in the program?
I would caution you to never allow another company to hold your funds for several reasons. If they hold your money then you have no access to it. If you choose to cancel and haven’t paid their full fee they can keep your savings.
What guarantee do I have after completing your program?
Have you changed company name ever in the past?
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America Debt Resolutions, LLC is a compliant contingency fee debt settlement company and debt marketing. America Debt Resolutions, LLC may refer you to a premier affiliate for debt management, bankruptcy or other services. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. *** INDIVIDUAL RESULTS MAY VARY BASED ON ABILITY TO SAVE FUNDS AND COMPLETION OF ALL PROGRAM TERMS. PLEASE REQUEST, READ AND UNDERSTAND PROGRAM DISCLOSURES AND AGREEMENT PRIOR TO ENROLLMENT. NO FEE RISK to you - we guarantee that you will pay NO FEES for your debt relief services until we successfully resolve a debt for you.