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#47
just_us_debt

Just Us Debt

Price: 25% of Money Saved, A Do it Yourself program available

Our Score
1.5
User Score
--

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Our Score
1.5
User Score
--
Rank this Company

Ratings Breakdown

Price

% of debt saved
25%

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
Unknown

Min. Debt

Min. debt accepted
$5,000

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
0

This Review is maintained by

Review Last Updated: December 21, 2016

Just US Debt has been in business for 7 years bringing a broad spectrum of services to financially indebted consumers. Their services include debt management, credit maintenance, bankruptcy and legal prep, tax settlement, do-it-yourself programs. This company specializes in debt settlement, which will be the basis of our review.

Rank Chart
Price (% of debt)
Smallest Debt Accepted
Review

#1

15-25%
$7,500

#2

15-25%
$7,500

#3

15-25%
$7,500

#47
just_us_debt

25%
$5,000

The Good

One aspect setting this company apart is a combined experience of team members who have been employed as debt collectors and worked at some of the top credit agencies such as Citibank, Chase, Capital One, Discover, and First USA. This gives them a little more leverage than some of their competitors because they know the inside tactics and procedures set forth by creditors. This knowledgebase brings their clients reduced debts in a shorter time frame due to creditor interest accruing during the settlement process.

Fees for their settlement services are fair coming in at 25 percent of the total amount saved during the negotiation process. Negotiators objective is to clear clients’ debts between 12 and 48 months, which is a bit lengthy considering the risk for litigation. Their average client has seen a savings of 48 percent of the total amount of unsecured debt enrolled into the program, with a range between 30 and 70 percent overall.

Like all credible settlement companies, Just Us Debt operates on a performance-based model and will not charge clients until debts have been successfully resolved. Any funds accumulated into the Special Purpose Account are fully owned by the client and if they are unsatisfied with an amount negotiated or decide to opt-out of the program, the money will go back to the owner of the account, minus monthly fees charged by Global Client Solutions.

Another attribute setting this company apart is their Do-It-Yourself Program. Clients purchase guidelines to the settlement process enabling consumer to tackle debts with creditors on their own behalf, saving them money in the process. If for any reason customers are dissatisfied with this do-it-yourself program, and all the tactics directed by representatives, they will issue a full refund of the purchase price. This money-back guarantee is limited to six months after the purchase date.
Just Us Debt takes into consideration your entire financial situation. This could include tax issues, medical expenses, and other extenuating circumstances that affect how much you can pay every month.

Highlights to this company include:

  • Free consultation
  • 50 years of combined industry experience
  • IAPDA certified
  • DIY program
  • Money-back guarantee

The Bad

As with tackling debt in any settlement program, risks must be weighed. For instance, tax liability, risk for litigation, and negative credit score marks, which they fail to outline on their company website.

Other concerns include their lack of accreditation with the AFCC, a company promoting and enforcing fair industry practices, which would be a useful resource for curious consumers seeking company information.

Educational resources are important to many consumers when enrolling in financial service companies. This company does little to provide resources on their home page. They have a “Blog” link however there is no information contained in it. Additionally, they offer a “Support” link on their home webpage but there is no information listed, leaving us a little confused as to what “support” could mean.

We would like to see them offer clients an online dashboard which would be a useful tool to keep worrisome clients at bay, as they could keep tabs on any progress the company makes toward settling their debts.

The Bottom Line

Just Us Debt has several years of combined financial industry experience offering a team of professionals to indebted clients. Their pricing is competitive and we appreciate their money-back guarantee on their do-it-yourself program. They could apply more education materials and tools to help educate consumers maintain the financial freedom they assist them in getting out of. They lack a few accreditations and affiliations with some of the industry’s regulators. Overall, we recommend using a debt settlement company that charges less and has accreditations.
Click Here for Our Top Recommended Debt Settlement Providers.

Price

Just Us Debt charges fees that are based on how much they save you in a settlement.  Their fee is 25% of what they save you. For every dollar saved, they charge you $0.25. To sum up the cost, it will be around 25% of the amount of money they save you.

Up-Front Fees

None.

Free Consultation

Yes

Time in Business

Unknown

Debt Education

They have a blog on their website, though there are only two entries that we could see.  There are not a lot of resources on the website but we were told that you can always call or email for access to any information you might need. The agents are well educated and can point you in directions to help with debt and credit education, should you need it.

A lot can also be learned from the Do-It-Yourself paid offering.

Money-Back Guarantee / Cancellation Policy

With debt settlement, you can cancel anytime you need to. Their Do It Yourself program does have a 6 month guarantee however.

Unsecured vs. Secured Loans

They offer help with Unsecured loans only.

Mobile-Friendly Site

The website is mobile friendly. There is an app in development for the future that will allow clients the chance to record calls from debt collectors, but this would not be applicable to debt settlement customers.

Contact Information

Email Address:

[email protected]

Address: 

10955 Westmoor Dr. Suite 400
Westminster, CO 80021

Business Hours: 

8am to 8pm MST

Services Provided

  • Debt Settlement
  • Debt Management
  • Credit Maintenance
  • Do It Yourself Program
  • WageShield Asset Protection
  • Bankruptcy and Legal Prep
  • Tax Settlement

 Minimum Debt Accepted

$5,000 is the minimum amount of debt accepted.

Online Dashboard

No, there is no online dashboard for customers with Just Us Debt.

Accreditations

No, they do not have an accreditations with the AFCC or IAPDA.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Our Score
1.5
User Score
--
Rank this Company

Ratings Breakdown

Price

% of debt saved
25%

Accreditations

AFCC or IAPDA
None

Free Consultation

is one included?
Yes

Time in Business

total # of years
Unknown

Min. Debt

Min. debt accepted
$5,000

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
0
Our Score
9.5
User Score
9.6
Rank this Company

Ratings Breakdown

Price

% of total debt
15-25%

Accreditations

AFCC or IAPDA
AFCC & IAPDA

Free Consultation

is one included?
Yes

Time in Business

total # of years
14 Years

Min. Debt

Min. debt accepted
$7,500

Guarantee

money back guarantee?
Yes

Number of Reviews

User reviews here on BDC
285