EnVision Debt Solutions claims to be your “fast track to financial freedom” on their website. Independent research might find otherwise when it is discovered that the Better Business Bureau has given them a rating of “F.”

While there are no complaints filed against them, the BBB placed this rating on them because of inadequate reporting when inquiries were placed with them, among other reasons such as grossly exaggerated advertising.

This is not necessarily a sign of a bad company, but it should cause one to be more cautious when contacting them for information.

Quick facts about enVision Debt Solutions:

Founded in: February 2007

Years in Business: 2

Number of employees: Not disclosed.

BBB Rating: F

BBB complaints: None in 36 months.

Free Information: Offered on their website.

Escrow or Payment Plan Available: They talk specifically about the lump sum payment or the term method. You can approach them with either of these options based on which is the best in your circumstances.

Source of Funds: Monthly payments based on ability.

Fee Structure: Not disclosed, but stated that it is based on the total amount of debt that you bring to the program. They also state that you have one or two down payments up front followed by monthly fees thereafter through the first year of the program. You will be required to sign an agreement before they will move forward.

Avg Settlement: Not given.

Refund Policy: Not disclosed.

About the Company

Headquartered in Santa Ana, California, this company assists those across the nation who need help with their debts.

Beginning the Process

Contact them by filling out the form on their website or calling their toll-free number.

Types of Debt Serviced

Unsecured only.

Worth Noting

They talk about those who are in debt and go through a program only to get into debt again. But the only method they offer as a way out of this mindset is through debt settlement which requires you to live without credit cards through the duration of the program. This is supposed to wean you off of your credit card addiction.

Program Caution and Your Responsibilities

Standard cautions apply in that you must thoroughly interview them just like they are you in order to make sure that your questions are answered to your satisfaction.

Will Debt Collectors Still Call?

Yes, but they work with them to try to get them to cease.

Other Information

There is nothing earth-shattering on their website that gives you an extra level of comfort in doing business with them.

They appear to be the same as others in this business except that you have to ask them what their percentage is the first thing in your conversations with them.

EnVision Debt Solutions might be the company to help you get out of debt, just make sure you do your due diligence by checking them out first.