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So how do
you choose which company to use?
Hopefully by now you have decided that financial assistance is the best way
to eliminate your debt problems. The only question is what company do
you choose out of the many organizations offering this service? There
have been many new companies springing up in the last few years offering
this type of service and, unfortunately, not all are created equal. So
how do you go about finding a company that is going to do you justice
while eliminating your debt? Here are just a few things to look out for:
1)
Do they have Certified Debt Arbitrators and do they Ask Questions?
Does
the company have certified debt arbitrators handling your debt? If
not you may not get the results they claim. Another question to
consider; Does the company you're talking to ask you relevant (and
basic) information such as what banks you have debts with, how much you
owe to each bank, what state you live in, any recent balance transfers
or cash advances? This makes a big difference to a company's ability to
help you. If they just give you an estimate without asking these
questions, beware. Ask them do they have this experience?
Ø SCF’s
debt assistants are certified Debt Arbitrators
(CDA) through the International Association of
Professional Debt Arbitrators and have over 20 years of experience
in the finance industry.
2) Are they Bonded?
There are
some unscrupulous companies out there that could take your money and
run; you want to be protected from this. A bonded company will protect
you from a company’s unscrupulous employees.
Ø
SCF protects you with a $100,000 Surety
Bond.
3)
Do They List an Address on Their Site?
Does
the same company that resolves the debt employ the same debt consultant?
There are many organizations that sign people up and then sell that
client to another company. SCF does not buy or sell clients. We
have one of the best resolution teams in the country and SCF handles
everything in-house. Also
it's important that you check to see if the company has a office with a
physical address
(i.e. not a PO Box or no address
at all be very wary!)
Ø SCF - State Capital Financial’s™
corporate headquarters
is located in Corpus Christi, Texas. It is from this central location that we
are able to service our clients nationwide. Branch office is located in
Hallandale Beach, Florida.
4) Do They
Have a Service Guarantee?
There
are many companies that do not guarantee their services which means the
company has no incentive to resolve your debt once they have collected
their service fee.
Ø
At SCF - State Capital Financial, if we are unable to
resolve an enrolled account, We will refund back to you or adjust your
service fee by an amount equal to the service fee charged on that
particular account balance at initial enrollment. Note: You must have sufficient funds to settle
the account in order to be eligible for the guarantee.
8) Do They Charge Paperwork Fees?
Does
the company you're considering want money just to talk to you or send
out information? I've heard of companies charging $100 or more just to
mail out the contract! Any company that does this should definitely be
avoided.
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