ZipDebt Client Comment Forum (2007-2019)
This post is intended to provide a forum for ZipDebt clients to post comments about their experience with the program. Recently, I spoke to a person interested in my program, and they told me that they didn’t bother to read any of the testimonials on my site because “everybody fakes testimonials.” Well, that’s probably true…
OCC Warning on Debt Elimination Scams
The Office of the Comptroller of Currency (part of the U.S. Federal Government) has published a statement on debt elimination scams. It’s an excellent piece that confirms everything I’ve been saying about these bogus techniques. The OCC refers to these as just the latest in a long line of “advance fee” schemes, where you pay…
Crazy Stuff Collectors Say – Part II
Continuing our discussion of collection pressure tactics, I’ll focus on the “refusal to pay” tag-line frequently used by debt collectors. Let’s say you’ve explained to a debt collector that you’re in a financial hardship situation and can’t make any payments. For the purpose of this discussion, it doesn’t really matter whether or not you’re actively…
Crazy Stuff Collectors Say – Part I
I’ve been involved in the debt settlement industry for nearly a decade, and I’m still amazed by some of the crazy stuff that debt collectors tell people. Sometimes it seems like they have nothing better to do than sit around and think up strange or insulting things to tell debtors in order to intimidate them…
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ZipDebt = Fast Relief
Debt settlement is just as much about managing risk as negotiating savings. The 36-48 month programs offered by most debt companies have high risk for collection lawsuits. It’s far more effective to “fast track” debt settlement in 12-18 months.
ZipDebt = Affordable Help
Instead of paying fees as high as 20-30% of your TOTAL DEBT, it’s far more affordable to work with a professional consultant who only charges 20% of the SAVINGS achieved via the negotiations. This approach saves you money and creates a win-win scenario.
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