Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 7 – Recovery

When consumers encounter financial difficulty, I believe it is important to review their potential solutions with the possible end results in mind. To me, the entire purpose behind debt relief intervention, is recovery. What does the consumer need to do in order to resolve their situation, so they may recover, rebuild, and become productive again? … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 6 – How to Do Simultaneous Settlements

One of the reasons I have been writing these articles is to shed some light to the industry about settling debt simultaneously, its reliability, and its advantages for consumers. Our evaluation process at Debt Relief A La Carte is probably more broad than the typical debt settlement approach. So, to help debt relief companies identify … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 5 – Why Simultaneous

Back when I was in collections, I recognized a major vulnerability to the consumer. When the consumer was represented by a debt settlement company and settling their debts one at a time, with each settlement that was made, their negotiation power was diminished. Back then, when I would negotiate with a debt settlement company, the … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 4 – Settlements and Payment Plans

As we all know, there isn’t a one size fits all debt solution. Every situation is different. However, the goal and destination is always the same. That goal is to lower your monthly obligations to an affordable level. One way to immediately lower your monthly obligations is Chapter 7 bankruptcy. However, if you are faced … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 3 – Families and Couples

Debt Relief Considerations If you have a spouse or a partner, it is very important to review each of your situations separately, to ensure that you both require the proposed solution. This is true for any debt relief related situation. Meaning debt settlement, credit counseling, bankruptcy, whatever. At Debt Relief A La Carte, I see … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 2 – Debt Settlement Fees

Part 2. Debt Settlement Fees Unlike most industries, the fees charged in the debt settlement industry, have a direct effect on the services they’re selling. I’m sure you have heard the old adage, “you pay for what you get”. Personally, I’m a firm believer in that philosophy. I’m more of quality of over quantity guy, … Read more

Debt Settlement Advice for Debt Settlement Companies and Consumers – Part 1 – On Time with Payments

This is part 1 of a 7 part series covering debt settlement advice for both the debt settlement industry and consumers. Throughout this series, we will be taking an in depth view into the various aspects of debt settlement, their best practices, and their effects on consumers. Our first topic is about… Part 1. Enrolling … Read more