When searching online or looking through local ads, it can be difficult to tell the difference between a legitimate debt consolidation and a fraudulent one say. Scam artists can be quite clever how they do things, but they can not be certain objective facts which are easy to find.
The most important information for determining the legitimacy, if they try to look is an address and phone number. It is not just a tool for your original research, butit can be invaluable if something goes wrong.
Get a physical address, no PO boxes. The state, which the company does not really matter, because most companies establish an office in a location with favorable banking laws. Get at least one phone number, and verify that it works and connects with the right companies. If anything seems out of place, check the area code of the phone and see if it corresponds to the state. If they do not match, somethingwrong.
Search the Better Business Bureau. If they have no information, the company from scratch. If there are many unanswered complaints, go to another listing. Remember that you need to know the "real name" of the company. This information should be on their website.
Check the licenses or certificates. These are usually issued by the regional authorities and will vary in their name. Not immediately, trust certificates, issued by dubious, private companies, they cantotally worthless.
Keep a healthy dose of common sense when users are obvious. If something does not look good, or if the offer results seem too grandiose, then it would probably be best to skip that company. Be wary that online companies only want an e-mail address and you offer no real information, they could be scams.
Finally, Web sites use to create and maintain lists of the different consolidation companies. These pages are powerful tools. They allow a smallsome ads from several companies simultaneously. This can sometimes it's much easier to fraudulent websites that are promising too much space.
Debt consolidation services can work wonders, but criminals from the benefits of the hope that it has to offer. Be very careful work in selecting a company.
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