FAQ

Frequently Asked Debt Settlement Questions

  1. What will CCRE do for me?
  2. How does The CCRE Program work? How long will it take?
  3. Please explain exactly how the money-back guarantee works?
  4. What can I expect from your company?
  5. Who can enroll in The CCRE Program?
  6. Some companies charge a considerable monthly fee for their services, there is no real incentive for them to end my debts. How does your company charge for its service?
  7. What else do you offer?
  8. I am a skeptic, how do I know this isn’t a scam and that the CCRE program really works?
  9. How does CCRE compare to debt consolidation or credit counseling companies?
  10. What if I have debt that is more than 2 years old; can I still use the process?
  11. Will the banks or collectors call me at work or at home?
  12. Does your company personally provide the CCRE service or do you sell leads to other companies?
  13. What kind of support can I expect as I go through the CCRE program?
  14. So, how much can I expect my debt to be reduced by?
  15. What type of debts can be included in the CCRE program?
  16. If you are already behind on credit card payments will your approach still be effective?
  17. There are many other services in Texas – like DebtXS and Debt Relief of America – How does your service compare?

Q: What will CCRE do for me?
A: The CCRE Debt Relief Program enables our Clients to dramatically reduce credit card and other unsecured debt at a significant discount compared with programs that simply extend payments, restructure them, or in many cases put the consumer further in debt. Our proprietary systems are unmatched in the industry and are designed specifically to achieve the best debt relief for all of our Clients. Each CCRE Client works with their personal highly trained advisor at no additional cost whatsoever. While our guarantee states that a client’s credit card debt will be reduced by at least 40% or YOUR MONEY BACK, many of our Clients are pleasantly surprised to experience that the amount reduced is far better than this (our guarantee is stated in writing).

In the majority of cases, the Client will likely reduce their total credit card debt more than 40% simply because they have used the laws in place to their ultimate advantage. The foundation of the CCRE has allowed the partnership between the program and our Clients to be extremely effective for over 8 years in rebuilding a much brighter financial future for consumers, helping them to become debt free, and saving them substantial time and money in the process.

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Q: How does The CCRE Program work? How long will it take?
A: The CCRE starts as a legal administrative dispute process that is based on Federal and State law, bank law, and more specifically, The Texas Constitution, The Fair Credit Billing Act, and The Fair Debt Collections Practices Act. The process uses these laws (and others) to dispute the way in which your account was established from the beginning which in turn allows you to legally dispute the current balances.

From here, the Client has the option of continuing with the dispute process or settling for a greatly reduced amount on the balances of their credit card – often for dimes on the dollar, but at least for a cumulative/aggregate amount of 40% or their money back! Most accounts will be settled for more than 60%, but the total average reduction will be 40% or less or you will not be charged.

Based on years of results from Clients who have successfully graduated from our foundational program, the average time to complete the CCRE Process will be about 12-24 months, although most Clients find that they are in the 12-month time frame. While it is true that many Clients will never make another payment on some of their accounts, our Clients typically find that their average debt has been reduced by much more than 40%, which includes any/all costs of the CCRE program. This level is unmatched by any other company in the debt relief industry and clearly represents the power of the CCRE process!

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Q. Please explain exactly how the money-back guarantee works?

A: The money-back guarantee that Integrity Debt Solutions offers our Clients is simply unheard of and unparalleled in the debt relief industry. We are happy to show you a copy of our Purchase Agreement which outlines the Guarantee and Refund Policy, but here’s how it works.

The money-back guarantee policy actually has two levels:

  1. The first level offers a 14-day “no-questions-asked” money back guarantee. This allows Clients to receive a “free look” at our initial program, materials, and service and still have the opportunity to change their mind.
  2. The second, more profound level, offers that if a Client pays more than 60% of aggregate debt after 12-months in the program while adhering to the Credit Card Relief Education policies and procedures, the Client is then entitled to FULL REFUND less a small restocking, shipping, and handling fee.

We are confident that we can help any Texas resident reduce their debt by at least 40% and we’re willing to put our research and expertise on such a level as to guarantee that it will deliver results.

Ask the other companies you’re researching if they offer a money-back guarantee!
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Q: What can I expect from your company?
A: Since we, at “Integrity Debt Solutions-Texas”, work for YOU and not your creditors, you can expect that you will be told the truth every step of the way and that you and your family will not be alone. CCRE allows you to stop making payments immediately, and it ensures your interests are served so that you are no longer under the adverse influence of a creditor during the completion of the debt relief process.

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Q: Who can enroll in The CCRE Program?

A: The CCRE Program is designed for the following residents of Texas:

  1. Consumers who are struggling – or even unable – to meet the minimum monthly payments required to repay debt to their creditors
  2. People who want to avoid bankruptcy, avoid refinancing, avoid consumer credit counseling programs, or avoid debt consolidation and receive better and bigger results
  3. Families who would like to have their credit cards reduced 40% – 70%

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Q: I have found that some companies charge a considerable monthly fee for their services. This concerns me since there is no real incentive for them to end my debts. How does your company charge for its service?
A: Unlike consolidation companies and so-called “consumer counseling agencies”, who keep a large percentage of your total savings, Integrity Debt Solutions charges a Tiered Fee Structure that is paid after each of your accounts are settled.

  • (A) If an individual account settlement is 50.1% or greater, Client shall pay 10% of the savings
  • (B) If an individual account settlement is between 40.1% and 50%, Client shall pay 15% of the savings
  • (C) If an individual account settlement is between 30.1% and 40%, Client shall pay 20% of the savings
  • (D) If an individual account settlement is 30% or lower, Client shall pay 25% of the savings

Example A: If Client has an original credit card account balance of $10,000 (from the time Client entered the program and not the balance after any late fees of additional interest has been added) and IDS is able to settle the account for $5,500 (a 55% settlement), Client shall pay 10% of the savings. Savings: $10,000 – $5,500 = $4,500 x 10% = $450 fee.

Example B: If Client has an original credit card account balance of $10,000 (from the time Client entered the program and not the balance after any late fees of additional interest has been added) and IDS is able to settle the account for $4,700 (a 47% settlement), Client shall pay 15% of the savings. Savings: $10,000 – $4,700 = $4,300 x 15% = $645 fee.

Example C: If Client has an original credit card account balance of $10,000 (from the time Client entered the program and not the balance after any late fees of additional interest has been added) and IDS is able to settle the account for $3,300 (a 33% settlement), Client shall pay 20% of the savings. Savings: $10,000 – $3,300 = $6,700 x 20% = $1,340 fee.

Example D: If Client has an original credit card account balance of $10,000 (from the time Client entered the program and not the balance after any late fees of additional interest has been added) and IDS is able to settle the account for $2,800 (a 28% settlement), Client shall pay 25% of the savings. Savings: $10,000 – $2,800 = $7,200 x 25% = $1,800 fee.

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Q: What else do you offer?
A: IDS-Texas also offers an Educational Package that you can purchase that covers 12 month subscriptions & access to educational forums, curriculum, and financial coaching materials including, but not exclusively; (1) Educational CDs; (2) Administrative dispute process including (a) Initial Dispute Letters, Do Not Call letters, Cease Communication letter, Attorney letters, Credit Reporting letters, Arbitration letters & responses, and other various follow up correspondence; (3) Unlimited Conference Calls; (4) Website Education; (5) Consumer rights education including specific Texas asset protection material and Texas Constitution education; (6) Federal law education including the Fair Credit Billing Act (FCBA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collections Practices Act (FDCPA), and the 1991 Telephone Consumer Protection Act (TCPA); (7) Biblical Financial Management course via DVD & workbook & website; (8) History of Banking education including ‘Modern Money Mechanics’ manual, ‘Creature from Jekyll Island’ book, and ‘Money Masters’ DVD; (9) IRS Forms for client to research how to offset any 1099 forms that they might receive.

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Q: I am a skeptic, how do I know this isn’t a scam and that the CCRE program really works?
A: The CCRE process, as mentioned many times, is firmly based on the law. We are happy to share with you the various State, Federal, and bank laws we use so you can understand and see for yourself what the law says. We encourage you to visit various websites that we will give you or you can do some research on your own – with the advent of the search tool, it is easy to verify the laws we use.

You can also visit the Texas Secretary of State website and look there for the specific rules and regulations that you are afforded as a Texas resident.

Finally, the foundational program that the CCRE process was built upon has helped families all over the state of Texas – we have a long and convincing history of helping clients and their families and we are proud of this fact!

Our team here at Integrity Debt Solutions-Texas has successfully helped over 300 people in the last 8 years alone reducing well over $10,000,000 of credit card debt.

If you would like us to put you in touch with families that have already gone through the CCRE process or just started in the last year (or in the proximity of where you live!), we would be happy to do so – we have a long list of satisfied clients willing to speak with you. This is one of our strongest selling points and many of our new clients are referred to us by satisfied members.

We also have an A+ rating with the Better Business Bureau and are fully accredited.  We are very proud of our track record and since our inception we have not had one complaint! Click on the BBB logo on any of our pages and that will take you right to the BBB page that shares & confirms our record.

P.S. Ask the other companies you are researching if they have a list of names and phone numbers they can share. If they can’t or won’t provide one, run away as fast as a Texas tornado!

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Q: How does CCRE compare to debt consolidation or credit counseling companies?
A: First and foremost, we at Integrity Debt Solutions are committed to telling you EVERYTHING upfront. As a Christian owned company our standard is the Bible and the Golden Rule. We have no doubt that the degree of professionalism and character will come through in our interactions with you or we do not expect you to return our calls or give us serious consideration.

Another major issue is that consolidation, credit counseling, and the majority of debt settlement and debt relief companies promise to significantly reduce a consumer’s debt, however the truth is that they are highly unsuccessful. In fact, we have found that in the vast majority of cases, consumers find out (the hard way) that most of the payments they have made to these companies do not go to the original creditor as they have been told, but instead remain with the company in the first several months to cover their fees. The end result is that thousands of dollars in payments have in effect been wasted as they have not been forwarded to the original creditor.

In addition, we have found that consolidation and credit counseling companies incorrectly tell their customers that once they sign up all of their cards will not be canceled and their credit scores will not be damaged. In addition, other companies do not help stop all bank calls and/or collection agency calls nor do they inform their clients about EVERY possible eventuality.

When many of these unspoken events occur, consumers are shocked, disillusioned, and skeptical that anybody can really help them. With CCRE, our Clients know that we treat each case individually, but our goal remains the same for everyone – to have the debt reduced the maximum amount possible through our proprietary debt relief and negotiation process.

Lastly, many of our Clients have tried other programs unsuccessfully and then came to us after researching the laws that we implement for our Clients. There are some companies that deliver real results and our track record reveals that we are one of them!
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Q: What if I have debt that is more than 2 years old; can I still use the process?
A: If your debt is more than 2 years old, yes we can still help and serve you. There are many important protective issues that you need to be aware of so none of the banks can take money from you without your permission. They have sneaky ways of doing this and we reveal them to you! As a Texas resident, you have exempt assets and non-exempt assets and you need to become aware of them and take steps to protect them.

You also need to set up some things financially to protect any money that you have coming in – whether it is from your job, social security, inheritance, or any other source. Texas law states that your wages cannot be garnished, but once you receive your paycheck, the banks have ways of finding where it is and then garnishing it! We can help you avoid this unpleasant occurrence.

We can also help negotiate your accounts down significantly if that is your desire. We have a great deal of experience in doing this very thing saving clients thousands and thousands of dollars.

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Q: Will the banks or collectors call me at work or at home?
A: Federal and State laws prohibit collectors from contacting consumers at their place of employment. Use of our documents will put the collector on notice, thereby eliminating contacting you at work.

We also have cease and desist letters based on Texas law that will eliminate any creditors from contacting you at home as well. Because of the laws we share with you, you have the right to handle this type of business exclusively in writing and we will provide all of the education and documentation you need.

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Q: Does your company personally provide the CCRE service or do you sell leads to other companies?
A: We are NOT a lead company and therefore we will never sell your information to anyone. Our company, “Integrity Debt Solutions”, personally handles your debts.

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Q: What kind of support can I expect as I go through the CCRE program?
A: Your agent will be your first line of communication and support throughout the CCRE process. When you begin the program, you will receive curriculum & educational materials in the mail that will educate and inform you on the entire CCRE program, what to expect, what steps to take, and how to contact us. You will also subscribe to monthly emails that guide you through each step along with audio monthly tips to go through the program most successfully. In addition, you will receive CDs, audios, and additional educational curriculum that guide you through each step. Our comprehensive package is very simple to follow and delivers results.

You also have the right to unlimited phone and email support which provides answers to your questions, explanations to various aspects of the process, and peace of mind whenever you need some encouragement!

We are here every step of the way and we deliver results!

Our goal is to give you the support and education necessary to continue our track record of reducing Client’s debt as much as possible.

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Q: So, how much can I expect my debt to be reduced by?
A: While we guarantee that we will reduce your credit card debt by at least 40% or your money back, there are a number of variables that prevent us from quoting exactly how low we can reduce your individual debt. We can tell you however, that in many cases we have seen a balance of only 20%-30% left from the original debt while some of our Clients have settled for 40%-70% of the balance and others never paid another penny because they remained with the dispute process all the way! We would simply like to give you conservative estimates so that we can “under-promise and over-deliver”. We would rather you be pleasantly surprised when we are done, instead of disappointed in the results.

Another factor to consider is this: if you ever choose to settle, the amount you settle may vary from another Client because of your financial situation. This truth obviously will make the end result change.

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Q: What type of debts can be included in the CCRE program?
A: Only unsecured debts are allowed in the CCRE program. Any bank that issues Visa, any bank that issues MasterCard, American Express accounts, and Discover accounts. We also accept other unsecured debt such as signature loans and unsecured lines of credit.

We have recently added the following accounts to our allowable list: credit union cards/accounts; individual store credit cards like Kohl’s, Home Depot, or JC Penny; gas station cards; and medical bills…

Please speak to your Integrity Debt Solutions representative for more information.
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Q: If you are already behind on credit card payments will your approach still be effective?
A: The process works whether the accounts starts in good standing or they are already delinquent. We will inform you of the pertinent details and your Authorized Agent can assist you with the appropriate letters that need to be sent.

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Q: There are many other services that I could choose – How does your service compare to the other companies?

A: There is much competition for your business when it comes to debt relief, debt elimination, and debt settlement.

The main differences with Integrity Debt Solutions-Texas is….

  1. We offer a money-back guarantee. If we cannot help you reduce at least 40% of your total balances, we will refund your money! Not one company in the entire country offers this kind of guarantee. We invite you to ask the other companies out there!
  2. We offer reference after reference of satisfied clients for you to speak with personally. If you are seriously considering our CCRE service, we will give you names and phone numbers of former and current clients that you can speak to yourself – many of them live right in your city or area. This has been the absolute best and most confirming selling point for our program. Again, no other company we know of offers this.
  3. Asset Protection. We offer asset protection strategies that will ensure that our clients are 100% safe and protected throughout the entire CCRE process
  4. Education. We educate our clients on what the law says and how it can serve them to get a fresh financial start. In our experience, an informed and knowledgeable client is a successful and confident client. Even though we have done over 95% of the work for our clients, we still want them to know as much as possible so they can rest assured knowing they are going to be helped.
  5. We specialize in serving Texas residents only. As we have clearly mentioned throughout our website, we are the ONLY company that specializes in Texas which means we help you enact  unique consumer protection law that is  specific to Texas – this alone can help you save thousands of dollars AND avoid some major headaches & hassles.  We have a high degree of experience, knowledge, and expertise when it comes to serving you.
  6. We have an A+ rating with the Better Business Bureau, not one complaint in our history, and we are fully accredited.

The above reasons are the primary benefits and differences between our CCRE program and other services around the country. Go ahead and click on the link, complete the form, and get on the road to a fresh start!
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