debt settlement program?
How much is the fee usually associated with a debt settlement programs? Note I am talking about “debt settlement” program not “debt consolidation” prorgram. I called two places and both the fee is 15% of the total balance of the outstanding debt. I guess I want to know if that’s the standard fee to pay for debt settlement or if there’s anything lower out there then I will keep searching.
Please answer directly to the question I asked only. Don’t go telling me how these programs are a scam and that I will end up paying more money with these programs blah blah blah, and I don’t need advice about other options to lower my debt. Just answer the question I asked thank you!! 
They are all credit card debts
On debt settlement program like the onr offered by this site:
http://www.debt-settlement-america.com/
I actually used a debt settlement program a while ago, they did a settlement for me for 40%, but they charged me a 15% fee, so at the end it ended up being 55%. I am just wondering if there’s anything out there that charges less for the fee. I know there’s a lot of rip-off settlement agency that actually charge more, so I am wondering if I actually paid too much when I paid 15% back then…
15% is the standard in the industry- I would be careful with a company any cheaper than that- normally it is a new company, or you are missing out on services. Some places charge 12%, but make you do 1/2 the work. Our company is 15%, and we offer full online services, where you can monitor your whole debt settlement account- you won’t find that at a 12% company. The peace of mind that comes with online service is worth the 3% more!
Interesting. I like many others have pulled out all the stops for this xmas and am thinking about how I am going to pay back the credit cards. I will think about this and some of the other ideas on your site which may help repaying some of the cash after the holidays.