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I m not interested. Customers who enroll in a debt settlement plan make a monthly payment to a debt settlement fund. According to Nguyen Orth, debt settlement companies wait until the customer has defaulted on their debts which can sometimes take up to six months before they begin to negotiate with creditors.  The defaults must occur before the negotiation process can begin, but the debt settlement companies avoid explicitly saying this, Nguyen Orth said. Debt settlement companies like ClearOne Advantage make money by charging customers a percentage of the total debt owed. In a best case scenario, willing creditors agree to settle the debt for less than the amount owed. After the customer agrees to the new terms, the debt settlement fund will be used to pay the debt.  

United statesSan diegoBayview parkSan franciscoAssemblymember buffy wicksDavid rodriguesKate ciminiAssemblymember wicksGraciela gomezWillie brownJackie bottsPeggy peattieTomas gordonErica woodSalinas californianConsumer debt relief initiative