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In recent months, we've seen many regulators and legal authorities in jurisdictions across the
country signify official concern that an increasing number of companies which operate in the debt
cures business today, are essentially debt relief scam operations that are out to cheat and dupe
an overburdened debt-ridden population in a bad national economy. The most recent among
those, is Attorney General Andrew Cuomo in New York, whose office had subpoenaed some 14
debt relief operations and one law firm in May 2009 from across the nation for investigations into
their debt settlement operations.
Recent Major Debt Relief Scam Investigation by Online Review Organization
Quite coincidentally, that subject is, in fact, actually the subject matter of a recent full scale major
independent investigation of the industry conducted by one reputable, independent online review
organization that investigates online products and services or companies, especially in the debt
cures business field, for their quality and authenticity. The results of that investigation is startling,
showing that some 82.5% of the test sample group of website-based debt relief operations used
(165 out of 200), were basically debt relief SCAMS. And that only 17.5 of them were of any
legitimacy. There are some 12 companies nationally which the evaluations showed were of great
quality, and one company that is of exceptional quality and rank exceptionally superior as the most
trustworthy, and Number #1 debt relief company in America.
In its report of the findings of its investigations team just released in New York in mid May 2009,
the Research division Director of the online research organization (see the link provided below at
end of this article), stated that the review was prompted by the fact that,
"Consumers seem more and more today to be turning to debt relief operations for ways to pay off
debts in response to the current American economic recession... most of those companies are
competing to out do each other in their claims that they have the best debt relief programs. In
constant advertisements on the Internet, radio and TV, they purport to provide excellence and the
best services to customers on ways to pay off debts... Consequently, finding a truly good debt
settlement company by a consumer under such circumstances, is not at all an easy task."
The report adds, "With so many companies out there, they all soon start looking and sounding
alike after a while, as are their TV, radio, and newspaper ads. So, how in the world can the
average person tell what are good debt relief companies from the bad ones or the debt relief
scams?"
The Major Findings of the Investigation
Basically, using the rigorous evaluation and ranking system devised by its review experts, called

2. the "Key Debt Relief Evaluation Criteria" or KDREC, the review team scored and ranked 12 debt
relief companies from across the country as ranking as the TOP DOZEN Online debt relief
companies in the industry having the highest levels of professionalism, reliability and credibility in
the critical criteria areas of evaluation for the industry -- accreditation by the Bureau of Better
Business and by recognized certification institution for the debt relief industry, professional
reputation, charges and cost of service to consumer, results of company background checks on
expertise, quality of personnel, personnel education and training, length of time in the industry,
past record in the business and in delivery of the services, customer satisfaction, etc.
What are good debt relief companies? And are there many debt relief scam companies in the
online settlement industry?
Well, some of the detailed findings made by the comprehensive investigation conducted by the
expert team of researchers commissioned by the organization, were quite startling.
Among the major findings, are the following:
"SUMMARY:
==Over four-fifths (some 82.5%) of the test sample group of website-based debt relief operations
used (165 out of 200), were basically what you'd call debt relief SCAMS or fraud operations -- that
is, they were merely worthless website operations that have no business at all on the Internet
peddling any debt cures business to consumers, and at best bordering on fraud, with no value-
added and absolutely the kind of sites that should be a complete no-no for any and all wise
consumers to shop in.
==Just 17.50% of the 200 company websites reviewed in our test sample (35 of the 200) are
legitimate debt relief operations that are seemingly responsible business operations and fairly
reliable, although the detailed extent of the quality of their services was variable in degree from
one company to another.
==Some 12 companies in the sample group emerged, using certain defined additional evaluation
criteria (such as the service affordability for the average person, security of website, evidence of
large amount of savings to clients or whether company has successfully reduced millions of dollars
of consumer and small business debt, customer satisfaction response times, flexibility of the
program based on what a customer may have available on a monthly basis, etc), to additionally
assess them, as the best debt relief programs, the very TOP DOZEN online debt relief companies
in the whole country,
==Across the entire country, there is one company, located in San Diego, California, that stands
way out over and above the shoulders of any others in the nation's industry as the Number #1
ranked debt relief company and program, the most reputable, competent and reliable one of its
kind in the entire industry.
==From the research data from the field, when the option of debt settlement has been exercised
for debtors through the hands of a debt settlement or debt consolidation company who is
incompetent, or of staff that is inexperienced, consumers involved in those debts have often lost
money, while some actually cause people to deteriorate further down to a worse financial condition

3. and greater hardship which often force them to file bankruptcy, when, in fact, their purpose for
going for the debt settlement option, in the first place, had been to avoid filing for bankruptcy.
Thus, according to this report, this is the quintessential kind of customer who needs the most to
avoid being a debt relief scam victim.
The Critical Finding and Lesson from this Review...
Reached in an interview, the research director of the organization stated that "Probably the single
most significant, in deed, eye opening, piece of finding that emerged from this investigative work is
this. That,... trying to settle your credit card debt through using a debt settlement or consolidation
company could be a viable and fruitful option for you by which you may frequently be able to
significantly reduce credit card debt, or even totally eliminate it. In fact, debt settlement is often a
very good idea for individuals who are having difficulties with keeping up with outstanding
overwhelming credit card debts that never do seem to go away, and who would prefer to make a
negotiated arrangement with the creditor for easier and more manageable repayments, but do not
wish to experience bankruptcy filing because they probably conceive it as something that would
have a drastic negative impact on one's future credit."
He continued: "However, results of the HDRR research investigations confirmed one startling fact.
That, in large measure, whether this positive effect that we should expect to come from employing
a debt settlement company actually results, in reality, for a particular debtor in a particular case,
completely depends! If, for example, you choose the wrong or fraudulent debt settlement company
to handle your relief plan and action, you may, in stead, find yourself in worse shape than you
were before. Making sure to sort out, right before hand, scammy debt relief companies, is not only
the easiest and simplest way to avoid being a debt relief scam victim. But, even more important,
the surest way for debtors to reap tremendous savings and easier and cheaper payments on
outstanding debts by them. Hence, it is critically important that you choose the right company, the
ones with the proven best debt relief programs. Like any other industry, there are good
companies, and there are bad companies."
The central point for the consumer, any consumer at all, to understand who is in need of making
the vital decision about employing the services of one of the online debt settlement companies, is
this. The most critical task and challenge for you, is being able to sort out and find the proper debt
relief company that does, in deed, have the essential experience, the history and record, and the
skilled debt settlement counselors and negotiators, as to make that company reputable, reliable
and trustworthy. And, in order for you to be able to do so and fruitfully accomplish this, there is just
one basic essential PRECONDITION you've got to meet -- do a great deal of investigation and
research on the companies which operate in the industry on the various criteria for evaluation
mentioned above.
"Given the mandate of this investigative review and research," says the online review
organization's research director, "the task for the serious consumer or debtor to follow, is really
simple and uncomplicated. It says simply that if you want to secure terms for repaying your debts
at levels which could be quite considerably lower and more favorable for you or even tremendous,
at times, and you wish to do so using a debt settlement or consolidation company, and to do so
while avoiding falling victim to a great number of debt relief relief companies which abound, you
must FIRST and FOREMOST be certain that you proactively search for and pick a right and
reliable one. In deed, most preferably, the very best debt relief agencies there is. And to

4. accomplish this, all you have to do - you must do - is do the proper and thorough research."
He concluded: "We've tried in this HDRR review endeavor to make the resulting work product as
thorough a study as possible. And comprehensive too, so that it would apply to and be usable in
virtually any location in the entire United States. And, I believe we largely succeeded in that basic
objective. Now, it would be up to consumers themselves hopefully to help themselves. They need
not be victims of debt relief scamming. Rather, armed with the right knowledge, they can be - and
should be - the victors in getting better debt settlement deals and terms, and better overall debt
cures."
For more on the report of this comprehensive debt relief industry investigation by the Honest Debt
Relief Reviews firm, or a listing of the HDRR Top Dozen Best Online Debt Relief Companies,
including the supreme Number #1 Debt Relief company in the nation, visit: INVESTIGATIONS
http://www.HonestDebtReliefReviews.Org
Benjamin Anosike, Ph.D., has been dubbed by experts and reviewers of his many books, manuals
and body of work, which dwell largely on self-help law issues, as "the man who almost literally
wrote the book on the use of self-help law methods" by America's consumers in doing their own
routine legal chores - in uncontested divorce, will-making, simple probate, settlement of a dead
person's estate, simple no-asset bankruptcy, etc.
A pioneer and intellectual and moral leader of the 1970s-based "you do your own law" movement
and a lifelong vehement advocate and veteran of historical battles for the right of the American
consumers to perform their own tasks in the area of routine legal matters, Anosike was one of the
pioneers who fought and survived (along with many others of courage) the lawyers' and organized
bar's stiff war of the 1970s and '80s against American consumers and entrepreneurs who merely
sought, then, to use, write, distribute or sell law-related self-help books and kits for non-lawyers to
do their own law, upon the lawyers' claim then of such being purportedly "unauthorized practice of
law" or "practicing law without a license." Anosike holds graduate degrees in labor economics and
management and a Ph.D. in jurisprudence.
Once characterized by a review of the American Library Association's Booklist Journal as
"probably the most prolific author in the field of legal self-help today," Dr Anosike is the author of
over 26 books and manuals (and countless number of articles) on various topics of American law,
including 4 volumes on personal and business bankruptcy filing, in a lifetime of dedication. For
more on the subject matter discussed in this article, or on how to get a low-cost, affordable
bankruptcy filing, or the author's other books and manuals, visit this site: [http://www.Afford-
Bankruptcy.Com]
Article Source:
http://EzineArticles.com/?expert=Benjamin_Anosike,_PhD

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