Debt Relief A La Carte, founded by Jared Strauss, former Debt Collector, built this business around what he learned in the collection industry: approximately 80 percent of collection account debts are never collected because a debtors assets are not enough to solve their debts. Handling each case on his own, Strauss provides consumers a debt settlement service with a goal of settling ALL of his clients accounts.
Debt Relief A La Carte has received an A+ rating with the BBB, and it is no wonder why. Strauss has not had a single complaint filed in the past 3 years. His method is not like any other settlement company, strictly limiting his service to consumers who have the financial resources to settle their debts in matter a few months rather than the typical 1-4 year time frame. Strauss offers this service with no up-front fees, and always has, even before they were banned by the FTC in 2010. He implements a five step process, outlining the method on his company website. However, what sets his method apart is clients are able to participate in each area of the process, including the negotiation process, something we have yet to see in our research.
The fees charged by Strauss are 10-15% of what is saved on the total amount of enrolled debt. Many debt settlement companies in the industry charge 18-25% of the total enrolled debt, or the total amount of debt resolved. So far, this is the best pricing we have seen. Strauss provides his clients with a range of options to choose from if creditors are being less than willing to settle for what clients are able to accumulate, and options are always appreciated.
Another aspect setting Strauss apart is the length of time required to settle a debt. Many leading settlement companies provide services under the expectation to resolve total enrolled debt in 12-48 months. While 12 months is fairly reasonable, and all dependent on the clients ability to save funds, Strauss takes a different approach with the average length of time to settle all of his client’s debts standing at 72 days. This method saves consumers by taking out all those monthly fees assessed with other settlement programs and minimizes exposure to interest charged by creditors during a lengthy settlement process.
There is no minimum amount required for qualification, and asks consumers to feel free to contact him to discuss delinquent accounts. Debt types which qualify for the program are unsecured, such as credit cards, private student loans, repossessions, medical bills, and collection accounts. He can even help on some deficiency balances on foreclosures.
Highlights to this company include:
- Best industry prices at 10% to 15% of amount saved
- Free consultation
- Client involvement
- 72 day average completion
- ‘A+’ BBB rating
- Combined 20 years of industry experience
As with any debt settlement company, there are risks consumers must heed before taking action. Strauss outlines plainly and clearly the risks on his website such as tax liability, credit score hits, and possible litigation.
Debt Relief A La Carte is a smaller, one-man-band company, which requires a little more quick cash than most consumers are able to fork out, especially so quickly to resolve all creditor debts at the same time. His process is thorough, quick and has an exceptionally high success rate among his clients, at just over 88 percent the last time it was assessed, compared to 10 percent, according to a report released by United States Government Accountability Office, 2010.
Although it has been in the debt relief industry for over 10 years, Debt Relief A La Carte does not have any accreditations that we could find. Missing accreditations include AFCC, IAPDA, and the BBB.
How Much Does Debt Relief A La Carte cost?
The company (Jared) offers a much lower percentage settlement fee for services when compared to the average larger debt settlement company. The typical debt settlement company charges on average of 20-25% of the total of what a client owes in debt as a debt settlement fee. Debt Relief a la Carte charges 10-15% of what you SAVE. A breakdown of fees can be found on the “FAQ” page of the website.
Are There Any Up-Front Fees?
There are no upfront fees, only a percentage of total debts owed paid as a service fee once the debts have been settled.
Can I Get A Free Consultation?
A free consultation is provided upfront to assess each individual’s circumstances and lay out a plan for settlement.
Does Debt Relief A La Carte Offer A Money-Back Guarantee?
You may have some available settlements that may not be low enough to allow you to settle. In this situation the client is given the following choices from Jared:
“I can continue negotiations with all of your creditors while I attempt to gain the cooperation of the less negotiable one(s). Or you may choose to settle the ones that make sense and have me continue to negotiate the remaining account(s) to make a lower settlement. Or you may have me negotiate a payment arrangement for you free of charge. Or you may un-enroll the account(s) from my service, so you may save up additional funds to settle it/them in the future. In the event that you do not like the result and choose not to settle any of your debts, there will be no charge.”
What Types of Debt Does Debt Relief A La Carte Work With?
Debt Relief a la Carte is able to attempt to settle only unsecured loans including medical, credit card, installments, student loans, lines of credit, legal bills, collections, deficiency balances on repossessed cars, or even deficiency balances on foreclosures.
About Debt Relief A La Carte
From once working in the debt collection industry, Jared Strauss now uses his knowledge to help others get out of debt. Jared owns and operates Debt Relief A La Carte. Since 2002, he has helped individuals and families settle millions of dollars in debts. Jared promises that you will have the option of knowing what enrolled accounts will settle before you spend any money.
Time in Business
Jared Strauss, the company owner and main operator, has been helping with settlements for over 13 years.
During the last 3 years, “Debt Relief a la Carte” has received zero complaints with the Better Business Bureau. The Better Business Bureau also gives the company an A+ rating because of the length of time they’ve been in business and the sufficient background information on the business.
Clients can learn much from working one on one with Jared will provide a lot of insight on how to manage collections calls and situations, how to avoid more dangerous financial scenarios and how he will step by step settle your debts quickly.
Yes, the site is mobile friendly.
The primary service is debt settlement done in a quicker manner than the average debt settlement company.
Minimum Debt Accepted
There is no minimum amount of debt required to enroll in services with Jared Strauss, he will also help with delinquent accounts of varying amounts though for those situations he asks to be contacted to discuss the amounts personally.
As with many debt settlement companies, there is no customer account portal through their website. However, clients meet directly with the CEO, Jared, to go over all of their account information.
No, this company has no accreditations with the AFCC or IAPDA.
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