How do I know if I'm in a legit debt relief or debt settlement company or being scammed? 1. According to the FTC, a legitimate debt relief company will not charge up-front fees. If you feel like you have been scammed and a debt relief or debt settlement company has charged you an up-front fee, that is illegal. Report it to the FTC immediately.
2. And the second thing is no debt relief or debt settlement company will guarantee that your creditors will settle with you.
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