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 of many (if not most) debt-related websites. Not so with ZipDebt. ALL of my testimonials are real. No need for faking it here. But it gave me the idea of providing a way for clients to write in and post comments on their own.
Feel free to write about your experience of handling your own negotiations with training and coaching by yours truly.
Two simple ground rules for posting your feedback:
1. Please do not mention bank names or the names of collection agencies. (Two reasons for this: One, I don’t want to get drowned in blog-spam by debt collectors who work for said companies, or notices from their legal departments, etc. Two, settlement percentages are a moving target, and a bank/agency that settles for 30% today may stick with 50% tomorrow, and vice versa.)
2. Please do not include website links or html tags in your posts.
3. No profanity please (however tempting it may be to dump on your favorite debt collector). 🙂
Otherwise, please feel free to relate as much or as little as you care to share with others. The main purpose here is to help the folks who are struggling with their decision about whether to use this strategy in their situation.
My partner and I had attempted settling a debt with a difficult creditor- American Express- several times on our own. It was a daunting undertaking to attempt negotiating with them armed with only a cursory understanding (at best) of what rights and leverage we might have in communicating with them. We’d made some progress with them but before we settled for only a modest reduction in principle owed, we enlisted the help of Charles. We’re so glad we did! He brought knowledge and persistence to bear on our situation and achieved a settlement for us that was 130% better than we’d have realized doing it ourselves. Throughout the process Charles was very informative and saw the process through to its conclusion. We can’t recommend him highly enough.
Words are inadequate to express my gratitude to Charles for his coaching and support through the recent experience of dealing with a load of mortgage debt. Thanks to him, I was able to negotiate a settlement of a $100,000 HELOC for less than ten cents on the dollar. Charles also coached me through a successful loan modification from our collector that knocked $650 off our monthly payments. Our house is still underwater but at least we now have a manageable monthly payment. I had tried to settle both debts on my own without success before turning to ZipDebt, and I am really glad I did. Charles is honest, patient and sympathetic and frankly he’s a hero to me and my wife. I recommend his program without reservation to anyone mired in debt as we were.
I just got off a consultation with Charles and WOW!! Charles has an absolutely amazing depth of knowledge and
was more than generous with his time during our consultation. From the first moment he started talking, I could already tell
that Charles is a true expert and a master of his craft.
Throughout the entire consultation, he told me exactly what to expect, and he gave me several specific, actionable steps to
start handling my delinquent accounts TODAY!
Our conversation was filled with in-depth and detailed tidbits about exactly what to expect from each account
and the “behind-the-scenes” information that I need to understand before negotiating with creditors. Talking with him
was a truly eye-opening conversation, and if you have questions on how the settlement/negotiation process works,
I’would wholeheartedly recommend talking with him immediately.