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Debt Negotiation Programs (Also known as Debt Settlement)

How To Choose A Debt Negotiation Company

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Check the firm's reputation

There are many disreputable companies that take your money and provide little, if anything, in return. In fact, they may even make the situation worse.


  • How long the company has been in business. The longer, the better.
  • Whether the company is a member of the Association of Settlement Companies (see: offsite link)
  • The company's reputation with your state Attorney General, local consumer protection agency, and the Better Business Bureau offsite link. Ask your state Attorney General if the company is required to be licensed to work in your state and, if so, whether it is. (You can find the contact information for your state's Attorney General at: offsite link)

Do not rely on a company's not-for-profit status

Do not rely on the fact that the firm is non-profit, even if it is. There is no guarantee that the services they offer are legitimate. 

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