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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…
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Crazy Stuff Collectors Say – Part III
Continuing our multi-part discussion of “Crazy Stuff Collectors Say,” I’ll focus in this post on a technique that frequently comes up in collection calls. I call it the “fraud” tactic. The collector may something like the following: “Look, you knew when you used this credit card that you were not going to be able to…
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The Credit Utilization Ratio — A Ticking Time Bomb?
There has been a lot of media attention regarding the recent Congressional hearings on practices of the credit card industry. One of the subjects receiving coverage is the “universal default clause,” which consumer advocates have vocally complained about for years. This insidious provision is buried in most credit card agreements, and it permits a credit…
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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…
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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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