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	<title>Comments on: Top 10 Debt Consolidation Companies To Help You In Debt Settlement</title>
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	<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/</link>
	<description>Student Loan, College Loan, Auto Loan, Credit Card, Mortgage, Personal Finanace</description>
	<lastBuildDate>Wed, 08 Feb 2012 15:15:47 +0000</lastBuildDate>
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		<title>By: Floyd Winebrenner</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-6664</link>
		<dc:creator>Floyd Winebrenner</dc:creator>
		<pubDate>Wed, 16 Jun 2010 09:36:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-6664</guid>
		<description>I truely am bewildered the facts behind the American people  in debt.  I secured a debt negotiation service and in less than about 9 months I ended up paying only around 55% of our total credit card debt.  I think it was a wonderful decision.</description>
		<content:encoded><![CDATA[<p>I truely am bewildered the facts behind the American people  in debt.  I secured a debt negotiation service and in less than about 9 months I ended up paying only around 55% of our total credit card debt.  I think it was a wonderful decision.</p>
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		<title>By: Lora Hews</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-6294</link>
		<dc:creator>Lora Hews</dc:creator>
		<pubDate>Mon, 07 Jun 2010 11:51:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-6294</guid>
		<description>I would avoid any of the companies listed above or any other company that resembles them. Why? Because, in my opinion, they are ALL bad. Run, don&#039;t walk from them. Some of the companies above advertise prominently that they are non-profit, but others don&#039;t even bother to do that. Why is non-profit a convenient masquerade?</description>
		<content:encoded><![CDATA[<p>I would avoid any of the companies listed above or any other company that resembles them. Why? Because, in my opinion, they are ALL bad. Run, don&#8217;t walk from them. Some of the companies above advertise prominently that they are non-profit, but others don&#8217;t even bother to do that. Why is non-profit a convenient masquerade?</p>
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	<item>
		<title>By: debt</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-3293</link>
		<dc:creator>debt</dc:creator>
		<pubDate>Tue, 15 Dec 2009 10:18:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-3293</guid>
		<description>Informative article.</description>
		<content:encoded><![CDATA[<p>Informative article.</p>
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	<item>
		<title>By: john</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2690</link>
		<dc:creator>john</dc:creator>
		<pubDate>Tue, 24 Nov 2009 16:18:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2690</guid>
		<description>most of the companies on here are lead generating or referral companies.  Come up with a real list.</description>
		<content:encoded><![CDATA[<p>most of the companies on here are lead generating or referral companies.  Come up with a real list.</p>
]]></content:encoded>
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	<item>
		<title>By: Damon Day</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2505</link>
		<dc:creator>Damon Day</dc:creator>
		<pubDate>Thu, 05 Nov 2009 17:29:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2505</guid>
		<description>Hello Rana, 

I am now following you on twitter.  Hit me back with a direct message and I can provide you with some things to help out your readers in their research.</description>
		<content:encoded><![CDATA[<p>Hello Rana, </p>
<p>I am now following you on twitter.  Hit me back with a direct message and I can provide you with some things to help out your readers in their research.</p>
]]></content:encoded>
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		<title>By: Damon Day</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2504</link>
		<dc:creator>Damon Day</dc:creator>
		<pubDate>Thu, 05 Nov 2009 17:24:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2504</guid>
		<description>Hello R. Mak,

No problem.  There are so many bad companies out there, it is very hard to keep up with them all.  There are currently over 2,000 debt settlement companies operating in the US.  Most of these are actually just marketing arms of back end service providers though.  This industry is for the most part unregulated, although the FTC is meeting this week to discuss sweeping new regulations of the industry.  

http://damonday.com/234/credit-solutions-of-america-sued-by-florida-attorney-general/
That is a link to a blog post about Credit Solutions I wrote last week.  I also wrote another post about 15 other settlement companies that have been subpoenaed in NY by the Attorney General in an ongoing investigation.

As far as who to recommend, the best thing to do, is thoroughly research any company before doing business with them.  Look at their BBB and see if they have any complaints, and whether or not those complaints were resolved.  Also look at the companies track record with past clients.  Do a google search and see if you find anyone complaining about their experience.  Also take a look at the fees.  You should look for a company that charges a performance base type of fee, where they are getting paid based on how good the settlements are that you receive.

I refrain from making general recommendations about specific companies unless I am doing a specific consultation, so that I can fully understand the circumstances, and needs of my client before pointing them in the direction of an individual company. 

 I hope that helps.</description>
		<content:encoded><![CDATA[<p>Hello R. Mak,</p>
<p>No problem.  There are so many bad companies out there, it is very hard to keep up with them all.  There are currently over 2,000 debt settlement companies operating in the US.  Most of these are actually just marketing arms of back end service providers though.  This industry is for the most part unregulated, although the FTC is meeting this week to discuss sweeping new regulations of the industry.  </p>
<p><a href="http://damonday.com/234/credit-solutions-of-america-sued-by-florida-attorney-general/" rel="nofollow">http://damonday.com/234/credit-solutions-of-america-sued-by-florida-attorney-general/</a><br />
That is a link to a blog post about Credit Solutions I wrote last week.  I also wrote another post about 15 other settlement companies that have been subpoenaed in NY by the Attorney General in an ongoing investigation.</p>
<p>As far as who to recommend, the best thing to do, is thoroughly research any company before doing business with them.  Look at their BBB and see if they have any complaints, and whether or not those complaints were resolved.  Also look at the companies track record with past clients.  Do a google search and see if you find anyone complaining about their experience.  Also take a look at the fees.  You should look for a company that charges a performance base type of fee, where they are getting paid based on how good the settlements are that you receive.</p>
<p>I refrain from making general recommendations about specific companies unless I am doing a specific consultation, so that I can fully understand the circumstances, and needs of my client before pointing them in the direction of an individual company. </p>
<p> I hope that helps.</p>
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	<item>
		<title>By: R. MAK.</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2503</link>
		<dc:creator>R. MAK.</dc:creator>
		<pubDate>Thu, 05 Nov 2009 15:46:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2503</guid>
		<description>@Damon Day
Well, I was not aware of this fact, can you provide us more information about them and suggest an alternative list of companies to include in this review.. I would be thankful to you</description>
		<content:encoded><![CDATA[<p>@Damon Day<br />
Well, I was not aware of this fact, can you provide us more information about them and suggest an alternative list of companies to include in this review.. I would be thankful to you</p>
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	<item>
		<title>By: Damon Day</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2479</link>
		<dc:creator>Damon Day</dc:creator>
		<pubDate>Tue, 03 Nov 2009 02:01:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2479</guid>
		<description>Um, just a quick note to let you know that Credit Solutions of America is currently being sued by the attorney generals in at least four states and has over 1700 consumer complaints against them with the BBB.  They charge very high fees up front (which is typical of bad players in the Settlement industry).  I can&#039;t imagine how you have included them in a top 1o list of companies that actually assist consumers.</description>
		<content:encoded><![CDATA[<p>Um, just a quick note to let you know that Credit Solutions of America is currently being sued by the attorney generals in at least four states and has over 1700 consumer complaints against them with the BBB.  They charge very high fees up front (which is typical of bad players in the Settlement industry).  I can&#8217;t imagine how you have included them in a top 1o list of companies that actually assist consumers.</p>
]]></content:encoded>
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	<item>
		<title>By: FinanciallySmartServices</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-2033</link>
		<dc:creator>FinanciallySmartServices</dc:creator>
		<pubDate>Thu, 03 Sep 2009 16:26:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-2033</guid>
		<description>Very informative article. There are times persons asked for this information and reading it here I can be able to point them to your article.</description>
		<content:encoded><![CDATA[<p>Very informative article. There are times persons asked for this information and reading it here I can be able to point them to your article.</p>
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		<title>By: Jon's Debt News</title>
		<link>http://www.fairloanrate.com/2009/05/23/top-10-debt-consolidation-companies-to-help-you-in-debt-settlement/comment-page-1/#comment-1660</link>
		<dc:creator>Jon's Debt News</dc:creator>
		<pubDate>Fri, 24 Jul 2009 19:59:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=1083#comment-1660</guid>
		<description>Thanks for putting up some companies that can help. It makes searching easier.</description>
		<content:encoded><![CDATA[<p>Thanks for putting up some companies that can help. It makes searching easier.</p>
]]></content:encoded>
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