Checklists

Compiled, scannable versions of the most important checklists across the site — each one links back to its full source page for complete context.

Before You Enroll in a Debt Relief Program

Get the total cost, including all fees, in writing before signing anything

Confirm whether the program is debt settlement, consolidation, or something else entirely

Check the company's BBB profile, Trustpilot reviews, and complaint history

Ask directly how enrollment could affect your credit score and whether you could be sued during the program

Never pay large upfront fees before any debt is actually settled or resolved

Note the exact date you were served — your response deadline starts from this date

Read the summons carefully to find your state's specific deadline to respond

Do not ignore it — failing to respond can result in an automatic default judgment against you

Determine whether you plan to respond yourself or consult an attorney immediately

Gather any records related to the debt (account statements, prior correspondence)

Verify state licensing where applicable

Confirm fees are only charged after results (standard for legitimate settlement companies)

Check for a physical address and real customer service contact information

Search the company name plus "complaint" or "scam" before enrolling

Be wary of guarantees of a specific outcome — no legitimate company can promise exact results

The caller refuses to provide a callback number, company name, or mailing address

You're pressured to pay immediately via gift cards, wire transfer, or cryptocurrency

You're threatened with arrest or immediate legal action for a civil debt

The collector won't provide validation of the debt in writing when asked

The debt amount or creditor name doesn't match anything you recognize