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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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The Illogical Nature of Debt Elimination Scams, and How to Convince a Potential Victim that it Really is a Scam
Regular readers of this blog know that I often write about bogus “debt elimination programs.” I’m mainly referring here to those “legally walk away from your credit card debt” scams, where the perpetrators claim they have discovered a magic loophole that allows you to erase your debts. Supposedly, it’s all based on the theory that…
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Government Report on Credit Card Interest Rates, Fees, and Consumer Disclosures
The United States Government Accountability Office (GAO) has issued a report that examines the interest rates, fees, and penalties of major credit card issuers. The title summarizes the conclusion of the report, “Credit Cards: Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers.” The basic finding of the report is…
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Catching Up on Industry News
There have been several interesting developments recently in the debt industry: 1. A large debt settlement company in California was targeted by the Federal Trade Commission and put under receivership, and the principal owner’s personal assets were frozen pending litigation by the government. A federal judge has granted the FTC a temporary restraining order against…
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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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