Light on information and tight-lipped on their policies. This is how one could describe the encounter with the website of US Consumer Advocate. They do not offer any information on their fees or even allude to them other than being part of the monthly payment process. Reading independent reviews is also discouraging in that there does not seem to be a lot of information about them.This could be by design or it could be poor planning an implementation of their company image. It is difficult to ascertain the truth about them.

Quick facts about US Consumer Advocate:

Founded in: March 2004

Years in Business: 5

Number of employees: Not disclosed.

BBB Rating: D

BBB complaints: 5 in the last 36 months in these categories: billing or collections, contract disputes, and refund or exchange issues. All five of these complaints have been resolved.

Free Information: Can be found on their website or by calling their toll-free number. Or you can email them as well.

Escrow or Payment Plan Available: Monthly payments into your “special purpose” account that is set up for you and is managed through Global Client Solutions.

Source of Funds: Your monthly payments.

Fee Structure: Not disclosed and could not be discovered through independent research and reviews. They do state that “your first monthly payments will be used to satisfy the enrollment fee.” It appears that they collect their fee up front which is reason for concern.

Avg Settlement: not disclosed.

Refund Policy: none given.

About the Company

US Consumer Advocate has been in business since March 2004. They have five complaints against them, but the fact that they have been resolved says something about the way they view their reputation.

Beginning the Process

By calling their toll-free number or by sending them an email, you can get started with them.

Types of Debt Serviced

Unsecured only

Worth Noting

They have a nice web page called “resources” which lists some valuable sites with which you can use to check your credit report, etc. Also there are three videos that talk about credit and debt. These are offered free of charge as a way of educating visitors on the role of credit and debt in their lives.

Program Caution and Your Responsibilities

You must ask the important questions about their fees first of all. Get them to disclose those before you proceed any further. Then, read any and all contracts and information regarding your role in the debt settlement process.

Will Debt Collectors Still Call?

Yes, but they attempt to help get them to stop.

Other Information

US Consumer Advocate does not have a great website. It is just “ok” for finding out information about their services. And the fact that you have to search for their toll-free number and email addresses is a concern. Do they really want your business? It was difficult for us to make that determination which makes us nervous about recommending them to you.