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Expert Answers to Biz Questions Listen in! Pick up some expert advice to a reader's question that we selected from CyberSchmooz. 4 Red Flag That You Should Know When Hiring A Debt Relief Service   Debt can turn out to be a big curse but at the same time you should be careful when you are seeking professional help for debt relief. We are just going to reveal some of the signs of scam debt relief services. Red flags to look out for when seeking debt relief Misinterpretes rules and regulations When you opt for debt relief, then it is quite essential that you should do investigation on your part or you will end up with a fair amount of trouble coming your way. There are some illegal practices also and what they do is assign you a new social security number. What you need to know is that this is an illegal practice. Charges a massive amount upfront  You should also be on your guard against companies that charge a huge amount upfront. They also may sure that you do not end up contacting the credit agencies on your own. Remember legally you can contact the credit agencies on their and discuss the incorrect information. This is why it is important that when you contact a debt relief agency you should make sure that you read the agreement carefully. The agreement will give you a clear idea about the amount the company will charge from you. Gives guarantee without evaluating the situation  When you go to a reliable accredited relief company, then it will first evaluate your debt scenario and then suggest a solution accordingly. If a service is giving you a guarantee without analysing your situation, then you are in for trouble. This is the moment when you should ask questions from the service to evaluate their authenticity. Services that make claims without evaluating facts are usually scams. If the service claims that they will be able to resolve your debt issue in just one year, then you should prepare your set of questions. You need to ask the service how they will go about the process. This way you will get a clue if the service is good enough or not. The service is inexperienced  Ideally, you should not invest your trust in a debt relief service that has just been around for a year or two. Such services can never help you in the long run. Your aim should be to confide in services that have massive experience at the job. The benefit of an experienced service is that they are well-versed with different debt scenarios and can deal with your case accordingly. When you go for a reputed debt relief service, then it is important that it should be accredited by reliable non-profit agencies.  You should also hold ameeting with the  relief serviceand check out accredited debt relief reviews before hire. You should also acquire free consultation from the service. This way you will get a fair idea if the service is competent enough to analyse your case or not. When you will communicate with the credit counsellors of the firm, you will be sure whether the service will be of some assistance to you or not. Enter your search terms Submit search form       Search Idea Cafe Web Small Business Tax Center • Idea Cafe Home • Sign Up • Biz Grant Center • CyberSchmooz •Coffee Talk with Experts • People in Biz Profiles • Starting Your Biz • Biz Planning • Running Your Biz • FREE Trade Publications • Marketing • Financing Your Biz • Human Resources • Legal & Biz Forms • Managing Your Biz • eCommerce • You and Your Biz • Gen X • Work@Home • The Fridge • De-Stress • Send an Award • Send an eGreeting • Yoga @ Your Desk • Web Guide • Idea Cafe in the News • About Idea Cafe • Advertise on Idea Cafe • Contact Us • Privacy Policy • Site Map • Small Biz News Copyright 1995-2023, Idea Cafe Inc. Downloads are for personal use only, not for resale to others, and may not be reprinted in any form without written permission from Idea Cafe Inc. DISCLAIMER: We hope whatever you find on this site is helpful, but be cautioned that it may not apply to your own situation, or be totally current at any given time. Idea Cafe Inc. and all of its current and past experts, sponsors, advertisers, agents, contractors and advisors disclaim all warranties with regard to anything found anywhere on this family of websites, quoted from, or sent from Idea Cafe. and its related sites, publications and companies. We also take no responsibility for comments published by others on these pages. TRADEMARKS: The following are Registered Trademarks or Servicemarks of DevStart, Inc.: Idea Cafe®, Online Coffee Break®, The Small Business Gathering Place®, Take out Info®, Biz Bar & Grill®, Complaint-O-Meter®, A Fun Approach to Serious Business™, CyberSchmooz™, and BizCafe™.