Reply #16: Definitely check Better Buisness for this stuff...

[AB_Positive]

My research showed Superior Debt Services was pretty good for what you're getting - great BBB score (with over 250 responses) and unlike even other more reputable services they work on your credit score afterwards. It won't be great but it will be serviceable. Also - via their agreement which is agreed on verbally and in writing you have complete access to the bank account created for the settlement purposes. If you cancel they are required by contract to give all the money back - including any amounts being held aside for fees.

They're based out of Colorado, which as far as I know has regulations as opposed to Florida. They've been quite helpful with me and the only people I hear from now are American Express - who are right mean about everything. Hell, one creditor even gave me their contact info to give them.

Debt settlement is scary, and there's a LOT of scammers out there. I went with research and chose one that does NOT advertise, radio or television. National advertising is too expensive for a non-profit debt settlement company to afford and keep their fees low if they're on the up and up. At least that's how I logicked it out.