It has recently been expressed that people are being sued even though they are under the umbrella of a debt relief program.
It may be discovered that they had either missed some of the payments or just quit the program.
So why is the completion rate in these programs only at 40%? Find out why.
Debt relief can fall under debt settlement, debt consolidation, debt forgiveness or even some form of bankruptcy.
Don't fool yourself in believing that deception still doesn't exist, it does.
This is one of the reasons that the fallout rate is so high with these programs.
There are some good ones, but you must check out who ever you choose before signing the agreement.
  Common Complaints One of the common complaints we hear are the fees.
Either a client is outright lied to or in some cases mislead.
When they find out most of their first several payments are going for fees they get discouraged.
They quit the plan and then the lender will sue you.
There are cases where the lender sues anyway even when the client is fulfilling their part.
The key here is get all the terms in your favor and in writing before you start the plan.
Do This Make sure of the following:

1. All fee agreements are clearly in writing
2. Revoke lenders rights to sue if you are following the plan
3. Make a late clause - cover yourself in case you can't make a few payments during the contracted plan time frame.
   Negotiate a late fee amount, it's safer than being sued.
   
4. In case you get sick - negotiate a sick clause.
   This is an x factor none of use can predict and any protection you can agree on will cover this unforeseen situation.
   

These are just a few things you can do up front that will protect you in case of emergency.
If the lenders don't agree there are other options you can take.
Do the research, it will save you a lot of headaches in the future.