Q: How can I find reputable debt negotiation and settlement services?

A: First, check the Better Business Bureau (www.bbb.org) for any complaints about the service. Secondly, consult the Federal Trade Commission's Web site at www.ftc.gov. In general, you should avoid debt-settlement companies who:

Have an "unsatisfactory" rating from the Better Business Bureau

Spend less than a half-hour talking with you before trying to sign you up and take the first check

Encourage you to sign a contract without thoroughly reviewing it or having an attorney take a look at it

Require "voluntary" contributions

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Please Note: Unsecured debts are debts such as credit cards, personal loans, lines of credit, store cards, medical bills, and utility bills that are not secured by collateral. Mortgages and car loans are NOT considered unsecured debt.
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