The main webpage for Heritage Debt Relief, LLC contains a few statements that give those who have been investigating debt settlement companies reason to raise a red flag about their services. First, they include a statement that says “reduce your debt up to 70%.” The next is a 100% guarantee. These are often advertising ploys that are used to get you to call their number or fill out their form on the website for more information. These often misleading statements are not followed up on but are there solely to get you to contact them.

Quick facts about Heritage Debt Relief, LLC:

Founded in: May 2005

Years in Business: 4

Number of employees: Not disclosed

BBB Rating: A-

BBB complaints: Zero complaints in the last 36 months, which is pretty impressive.

Free Information: By visiting their website or calling their toll-free number.

Escrow or Payment Plan Available: Monthly payment plan.

Source of Funds: Your monthly payments.

Fee Structure: Standard 15% of the enrolled debt into their program. No other fees were disclosed.

Avg Settlement: Not disclosed.

Refund Policy: They have a 100% guarantee which qualifies as a refund policy. The website states that if they are unable to settle and enrolled account, then they will refund an amount equal to 15% of the account balance that was enrolled into their program.

About the Company

Heritage Debt Relief, LLC, is located in Austin, Texas and has been in business for four years.

Beginning the Process

Call their toll-free number or fill out the form on their website.

Types of Debt Serviced

Unsecured only.

Worth Noting

Usually, debt settlement companies have ‘frequently asked questions’ pages (FAQ) that give both general and specific information on their services. There were no such pages on their website.

Program Caution and Your Responsibilities

Be sure to ask questions concerning their fees in order to make sure you understand what money will be going towards debt settlement and what will be allocated to their services. Read any agreement carefully before signing up for their program.

Will Debt Collectors Still Call?

They claim to be able to “stop creditor harassment.” No details are given on how this is accomplished.

Other Information

An A- rating by the BBB sounds good as does the zero complaints, but this company has the same feel as others in this industry in that they give out very little information: a little on the “non-genuine” side. The only two other web pages on their site are “about Heritage” and “about debt settlement” both of which are very light on good solid information. This means that if you choose to contact them, you must ask many questions and obtain satisfactory answers before proceeding into a business relationship with them.