We all know the debt relief industry is full of scam artists just waiting to take advantage of your financial struggles. However, there are also legitimate companies and firms that want to help you. So, how do you know if you are working with a legitimate debt relief source? Below are a few steps to follow for protecting yourself:
- Don’t fall for flashy advertisements. Scammers know how to make themselves look good. They make promises of quick relief and easy fixes to your problems. There is no such thing as a fast, simple, or painless cure for overwhelming debt. To properly fix your financial problems, you must take a realistic approach. In other words, you have to realize that it will take time, effort and discipline on your part. No company can do it for you.
- Don’t use the Internet. Websites provide a cheap and quick way for a scammer to lure you in and gather your private information. You should always research a debt relief program with the Better Business Bureau. Better yet, work with a trustworthy attorney that has a long and successful history or helping consumers with their debt relief needs.
- Seek recommendations. Word-of-mouth is still one of the best advertisements for companies. You probably know other people who have needed information on how to get out of debt. Ask around about who can be trusted and firms you should avoid. Referrals from prior clients who were happy with their results are a good indication you will be happy with your outcome as well.
- Make sure the plan fits you. Debt relief is not a “one size fits all” situation. Don’t use a company that tries to force your situation into their pre-packaged plan. You want to work with somebody who will review your individual circumstances and create a strategy suited to meet your needs. The best type of debt relief firm is one that offers you all the available options such as debt settlement, bankruptcy, defending collection lawsuits, and post-judgment help.
Take the first step to resolving your debt problems today by contacting us for a FREE initial consultation. The attorneys at Fitzgerald & Campbell represent debtors all over the State of California in debt settlement, collections harassment and credit card lawsuits. If you have a matter relating to a debt you owe, contact us today by calling (844) 431-3851 for a consultation.