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hi there I'm Michael BBY with consumer recovery network.com and I want to continue on with our debt settlement video series and talk today about some things that you probably will never hear from a debt settlement company consumer recovery network is involved in the debt settlement industry we're an educational service provider and we also provide professional negotiation services but we do it differently always have and so because of that I'm free to talk about some of the things that my industry fails at one of those is giving you enough information to decide whether settlement's right or wrong for you the reason for that is mainly profit it's mainly because if you don't engage with their services they're not getting paid so there's an easier softer uh less informative approach that's taken to sell people on the idea that debt settlement is a good idea for them to avoid bankruptcy so in this video I want to talk about five things that you will not typically hear a debt settlement company say let's start with number one some of your creditors refuse to work with my company the fact is some creditors won't deal directly with a debt settlement firm what happens when creditors do this is you're required to let accounts go more delinquent than might have been necessary so when a settlement company is not telling you that some creditors are not going to work with them they actually can be impeding your ability to succeed or save the most with settlement or settle earlier so that there's less of an impact to your credit report so it's a key thing to not share that information with you let's move on to number two a debt settlement company will probably not tell you that they have to wait for some accounts to charge off before trying to settle even though that could cost you more what do I mean by that well if a debt settlement company tells you that they're going to have to wait longer than may have been necessary to settle an account what they're not telling you is that because of number one where some creditors are not going to work with them it forces them to have to deal with a debt collector debt settlement is a very predictable process it's why my company exists it's why the entire industry exists and by predictable when it comes to number two your creditors charge off debt they have to it's actually part of an accounting principle that they have to abide by when they do that they do one of three things they send it out to a debt collector just regular old debt collection agency that gets paid when they're able to get you to pay them or they'll sell that debt to a debt buyer an investor somebody who's risking their money thinking they're going to get more back when they collect from you or they're going to send it to an attorney and that attorney is going to collect part of that collection might even involve suing you to get you to pay when a debt settlement company fails to tell you that some of their creditors your creditors are not...
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