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Home > Rate and Review > Credit Repair Services > U.S. Credit Defense – Scam, Complaint, Review, or Praise?

U.S. Credit Defense – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

Would you recommend U.S. Credit Defense to others?

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Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Lucy

    good day. i have a question. why do people think debt settlement is a SCAM? :) i already read situations as well as the answers. but. all i need is a simple explanation. i’m no expert on this. thanks. looking forward for you next communication :)

    • http://www.consumerrecoverynetwork.com/ Michael

      People who think debt settlement is a scam either:
      1. Don’t understand it
      2. Have their own interest to protect
      3. Are being intellectually dishonest
      4. Formed their opinion based on overwhelming reports of bad actors in the debt settlement industry.

      Other than number 2 (maybe 3 too) above, which I would not waste your time with, there is ample available to disprove the belief that debt settlement is a scam.

      • TRUE

        #5 UNETHICAL

      • Angelo

        What exactly is unethical about settling debt?  Governments, Banks and corporations do it all the time.

      • http://www.consumerrecoverynetwork.com/ Michael

        I read the comment from TRUE as his/her contribution to the list – pointing out those who paint the option as a scam lack in some ethics.

        On that point; ethics would fall under #2. Someone with interests to protect. Even if those interests boil down to their own cognitive dissonance relating to personal morality.

        If I am wrong in my interpretation and Angelo is right, I hope TRUE will come back and give a bit more substance to the intent of the comment made.

      • http://www.consumerrecoverynetwork.com/ Michael

        I read the comment from TRUE as his/her contribution to the list – pointing out those who paint the option as a scam lack in some ethics.

        On that point; ethics would fall under #2. Someone with interests to protect. Even if those interests boil down to their own cognitive dissonance relating to personal morality.

        If I am wrong in my interpretation and Angelo is right, I hope TRUE will come back and give a bit more substance to the intent of the comment made.

      • TRUE

        So…. Ethics has no place in debt settlement.

      • TRUE

        Three wrongs don’t make a right. Would you, yes you, lend me $50,000
        and accept $20,000 to settle the debt?
        You borrow, you pay back or don’t borrow the money in the first place.

      • http://northeast-properties.com Andy Faria

        We could always chop fingers off as a form of repayment, i think $5k per digit is suitable.   

      • Angelo

        You are assuming that anyone who defaults went into debt with the intention of defaulting, that’s just silly.  You are fortunate to not have experienced a hardship where you have had to make that choice, most will choose basic necessities over minimum payments.

        But why blame the consumer?  Why are the banks not at fault for forcing the default by increasing the interest rate to 30% if payment is late by even one day?  Why is the action acceptable but the reaction unethical?

      • http://www.consumerrecoverynetwork.com/ Michael

        Thanks for providing clarity on your comment TRUE.

        In answer to your question, yes, in a certain set of circumstances, had I loaned you 50k, I would accept 20k to settle it.

        The US has a debt based monetary system tied to a credit fueled economy. Defaults between lender and borrower are baked in the cake. Personal beliefs, opinions and high ground wont change that.

        Wrongs and rights – these are not part of lenders decision making and risk tolerances. Math and profit rule the day. Consumers should stay focused on the math and what that math can support when their finances take a turn for the worse.

      • http://www.consumerrecoverynetwork.com/ Michael

        Thanks for providing clarity on your comment TRUE.

        In answer to your question, yes, in a certain set of circumstances, had I loaned you 50k, I would accept 20k to settle it.

        The US has a debt based monetary system tied to a credit fueled economy. Defaults between lender and borrower are baked in the cake. Personal beliefs, opinions and high ground wont change that.

        Wrongs and rights – these are not part of lenders decision making and risk tolerances. Math and profit rule the day. Consumers should stay focused on the math and what that math can support when their finances take a turn for the worse.

      • http://www.consumerrecoverynetwork.com/ Michael

        TRUE – in response to your comment above “So…. Ethics has no place in debt settlement.”

        Of course ethics have a place in debt settlement.
        Which area of debt settlement are you applying ethical concerns to?
        Is it the concept? Form and function? Selling and delivery of services? Other?

        Your comment, “You borrow, you pay back or don’t borrow the money in the first place”, questions the ethics of concept.

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