8. August 2009 09:18
When someone is in debt, and wants access to special programs designed to help them become debt free, they have many options to choose from. Although there are many services out there to help that person become debt free, there are also numerous companies out there looking for a quick buck, regardless of what the does to the consumer.
There are numerous options out there to help people become debt free. Services such as credit counseling, debt settlement, debt negotiation and credit repair all fall into this category. Established, regulated industries such as those in the credit counseling arena follow strict state-mandated guidelines, and are subject to numerous controls and audits. Other services, including debt settlement and debt negotiation, are newer, and are subject to less government oversight as the industry is so new. Most often the bad apples can be found in these latter industries.
In deciding between debt management companies, make sure you know what kind of questions to ask. One of the better ways to discover which company is a good candidate to meet your financial goals to get out of debt is to call them, and speak to someone at the company. For example, if a debt settlement company collects the majority of their fees in the first 12 months of a program, do you think they really have a financial incentive to be there for you in the later months of the program? Did they just pop up over night? Do they give you multiple options to choose from when it comes to the debt management program, or do they only offer a single program (one size fits all)? Do they have a track record of providing good service while helping thousands and thousands of people get out of debt? If the company has been in business for a long time, and has clients that remain with the program, you can know they are a good company to work with.
Since 1994, the management team at AmeriFree Financial has designed consumer friendly programs which have helped close to three quarters of a million people with their debt. We offer both credit counseling and debt settlement services, allowing consumers to choose the debt management program that would best fit their needs. We offer top quality credit counseling services, and our debt settlement program was designed to model the credit counseling industry in that we do not collect front loaded settlement fees. Speak with a counselor at AmeriFree Financial today. The call is free, and within 10 minutes you can have a financial plan to get out of debt quickly, and be debt free.