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작성자 스티비아 댓글 0건 조회 1,786회 작성일 12-02-10 10:36

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부채조정 회사 선택 기준                                                                 

(Choosing a Debt Settlement, How to Choose the Best Debt Settlement Company)

 부채와의 전쟁을 선포하고, 부채 조정 프로그램(Debt Reduction, Debt Settlement)이 가장 완전하고 성공가능한 확실한 최상의 방법임을 확신한다면 다음 순서는 최고의 부채조정회사를 선택하는 것이다.
다음의 리스트들이 여러분에게 가장 적절한 회사를 선택하는 데 도움을 줄 것이다.
 
1. 얼마나 오랫동안 이 분야의 사업을 했는가? 역사와 전통은 어느 분야이든 중요하다.
 
2. TASC에 가입된 회사이며, 상담원,부채 조정자등의 스텦들이 IAPDA 의 인증과 훈련을 받은 자인가를 확인하라.
 
TASC( The Association of Settlement Companies)는 공인된 부채조정협회이며,IAPDA( International Association of Professional Debt Arbitrators)는 부채조정및 협상 전문가를 훈련하고 인증해주는 기관이다. 충분한 지식과 훈련과 경험을 갖추어서 고객을 위해 일할 수 있는 팀이 있는가를 점검해야 한다..
 
3. 상담원은 정직하고 충분한 교육을 받은 자인가? 전화나 이메일이나 직접방문하여 상담할 때 무조건 90%이상의 부채 조정등 불가능한 약속을 하거나, 또 크레딧의 약화나 채권자의 고소등 위험성(Risk)을 언급하지(Disclose) 않으며, 결정을 지나치게 압박 강요하는지 살펴야 한다.
 
4. 수수료는 합리적이며, 언제 받는가?보통 15%-25%를 받게되며, 전부 미리 한꺼번에 내지 않고 일정 기간 분활하여 지불하는가?
 
5 불평 신고가 많은 회사인가? 고객 보호 서비스 센터와 전문 부채 조정전문가가 있는가를 살피는 것도 중요하다.
 
When you are choosing a debt settlement company, there are many things you need to be mindful of. Many companies offering debt settlement services are small, unsophisticated and have only been around for a short period of time. The good ones will have a track record of success and will be able to provide you with an honest assessment of not only the potential benefits, but also the potential downsides of debt settlement for your situation. The fact is that debt settlement is not right for everyone. It is a program designed for consumers with serious debt problems who are unable to maintain payment obligations and are considering bankruptcy or credit counseling.
The Federal Trade Commission (FTC) advises to stay away any company that makes untrue claims:
  • Promises that unsecured debts can be paid off for pennies on the dollar. The truth is that there is no guarantee that any creditor will accept partial payment of a legitimate debt. Your best bet always is to contact your creditor directly and as soon as you are having problems making payments.
  • Requires substantial monthly service fees and demands payment of a percentage of what they’ve supposedly saved you. The truth is that most debt relief companies charge hefty fees for their services, including a fee to establish the account with the debt negotiator, a monthly service fee, and a final fee – a percentage of the money you’ve supposedly saved.
  • Tells you to stop making payments to or communicating with your creditors. The truth is that if you stop making payments on a credit card, expect late fees and interest to be added to the amount you owe each month. If you exceed your credit limit, expect additional fees and charges to be added. Your credit score also will be hurt by not making payments.
  • Claims that creditors never sue people for not paying their unsecured debts. The truth is that creditors may have the right to sue you to recover the money you owe. And sometimes, when creditors win a lawsuit, they have the right to garnish your wages or put a lien on your home.
  • Claims that they can remove accurate negative information from your credit report. The truth is that no company or person can remove negative information from your credit report that is accurate and timely. It’s illegal.
Read More at www.ftc.gov

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