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Ask for the terms.
Get written fees, risks, the timeline and cancellation terms before choosing a company.

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When is a fee earned?
The FTC telemarketing rule bans advance fees for covered debt-relief services. Coverage and exceptions matter.

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Ask what must happen first.
For covered fees: a debt is changed or settled, you agree, and you make at least one payment under that agreement.

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Who controls the money?
Ask who owns a dedicated account and how to withdraw. Settling one debt does not earn the whole program fee.

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Take time to verify.
Compare another option. Check the business independently. Keep your banking password private. Read the FTC guidance.