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DebtShield

DebtShield illustrates how financial debts can be of many kinds and comprehensively and provides options on how to deal with them. DebtShield appears more geared towards debt settlement rather than debt consolidation.

Since it's inception in 2003, DebtShield has been aggressively providing debt relief to its clients. Their Debt Settlement Ticker is indicative of just that. This number in dollars is providing information on the estimated amount of debt negotiated and settled by the DebtShield team.

The DebtShield homepage is positive and informative. With the highlighted checklist promising a personalized debt free plan, and free consultations leading to debt relief, DebtShield is headed in the right direction. All important categories are clearly headlined and on scrolling down the page, useful and important information is panned out. The all important questionnaire to get the client started on the path to debt recovery is followed by the Debt Settlement Ticker. Underneath it is a box which allows the client to email DebtShield their phone number, so that their consultants can call immediately. This is followed by a section on Testimonials, and a Free Virtual Consultation. Information flows quite smoothly throughout the page and one can navigate with ease.

Their section on Debt settlement starts easy, explaining to the client what debt settlement means. This step by step process is extremely reassuring for the client who is unsure of the options available and more importantly what each option actually means. For the client's further assistance, a welcome DVD is provided on enrolment, to gain further information on debt settlement.

Access to an online resource of information on the same subject is the Debt Relief University. The DebtShield program is then explained but very briefly, stating that once the consultant has reviewed the case and guided the client to the program, DebtShield negotiates with the creditors on the client's behalf to get the best and lowest deal. This would include low interest rates and a reduction in other fee structure. This amount is about 30 to 50% of what the client originally owed and the duration of the debt free program spans about 30 months or less. DebtShield's fee is not mentioned anywhere and that may be unsettling for the client. Interestingly they have a "WHAT WE DO NOT DO" section that outlines the bare facts, including that they are not involved with the credit industry, or with the legal fraternity.

DebtShield reaffirms time and again the ability to resolve unsecured debts and is upfront about not handling secured liabilities.

DebtShield has a unique "Term Guarantee" that claims to "cut" the clients' monthly fees by half if the client is not debt-free in the time period that DebtShield had predicted.

Another notable feature is the allowance they offer the client to leave the program at any given time. Once the client decides to opt out, he is refunded the balance in the account and there are no terms and conditions and no monetary penalties attached to the offer.

Among their many resources and tools featured, they have an articles section, giving the client more literature on the debt settlement subject; updated press releases on DebtShield; a Debt calculator; and a debt test to enable the client to determine whether they fit into the DebtShield settlement program profile and qualify for their program or not. Their quirky "Financial Debt Slide" is a pictorial depiction of a particular debt situation and the possible debt relief options available, as the client goes down the financial slide.

DebtShield is a member of the U.S.O.B.A. (United States Origination For Bankruptcy Alternatives) and the TASC (The Association of Settlement Companies). It is credibly listed with Dun Bradstreet and is also a member of the IAPDA (International Association of Professional Debt Arbitrators) and a member of the Net Check Commerce Bureau.

Company profiles are meant to allure clients towards their services. The dependability and reliability of the firm must be of utmost importance, and that cannot be assessed with superficial speculation. A thorough investigation of the company to be considered is the only "real" solution to look past debt settlement and towards financial freedom.

While DebtShield holds the client's attention with its multifold resources, it also raises some eyebrows regarding their unclear fee structure and their unwillingness to offer more than just settlement services. Moreover its features, though simple, are self sufficient to tide the client over towards the Debtshield's way out of debt.

For more information on Debt Consolidation companys, go to Debt Consolidation.

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