Frequently Asked Questions
Here are our answers to your informed questions regarding your account and your credit reporting.
I have a question about:
Credit Report
Who is DDR Collect
Identity Theft
Third Party Authorization
Credit Report
Who is Dependable Debt Recovery?
Dependable Debt Recovery works with families and individuals who are struggling with debt.
Some of our clients are current on their debt but living paycheck to paycheck others are being sued or facing garnishments.
Over the years, we have helped consumers achieve their goal of paying off their debt and achieving financial freedom. We help reduce or eliminate interest, stop any fees additions, stop any collection activity, phone calls, if applicable.
How do I update my account?
You can view and update your contact information by logging in to your account. You will be able to review and update your address, phone number, and email address. You may also make changes to your contact information, you may call our office for assitance.
How is debt management different from filing bankruptcy?
With credit counseling, you repay your creditors in full over time, usually with reduced interest and fees- terms they agree to.
Bankruptcy exists for a reason and for many consumers, but also means you are going to court with your creditors, thereby destroying your credit.
Filing for bankruptcy makes it far more expensive, if not impossible, to buy a house or car, get a loan and maybe even obtain a job for several years. In the end you will also have to answer the question, “Have you ever filed for bankruptcy?”
How long will it take to pay off my debt?
The length of time for repayment varies varies greatly from client to client. Since, we can typically get high interest rates reduced, clients are often able to pay back their debt in an average time frame of five years from the start of their program. You will be provided an estimated repayment date and our client services department can provide you with an updated payoff date at any time.
Can I still use my credit cards?
If you need to keep one available, discuss it with your credit counselor. In order for us to serve you and reach an agreement with your creditor to reduce your fees, payments and interest, we will advocate for you to get out of debt, not stay in it.
We are making a pland for your financial well being, not continue the cycle of debt.
How do I update my account?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Can I pay more if possible and get done faster?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
What happens once I am complete with the program?
Once our records indicate you have completed the program, we attempt to verify all balances are paid in full. We also recommend you retain any creditor statements in your files. In some cases the pay off date may differ on the credit statement.
Paying off your accounts is viewed as a positive and we are available to help you create a plan to support your financial freedom.
Who is DDR Collect?
Who is Dependable Debt Recovery?
Dependable Debt Recovery works with families and individuals who are struggling with debt.
Some of our clients are current on their debt but living paycheck to paycheck others are being sued or facing garnishments.
Over the years, we have helped consumers achieve their goal of paying off their debt and achieving financial freedom. We help reduce or eliminate interest, stop any fees additions, stop any collection activity, phone calls, if applicable.
How do I update my account?
You can view and update your contact information by logging in to your account. You will be able to review and update your address, phone number, and email address. You may also make changes to your contact information, you may call our office for assitance.
How is debt management different from filing bankruptcy?
With credit counseling, you repay your creditors in full over time, usually with reduced interest and fees- terms they agree to.
Bankruptcy exists for a reason and for many consumers, but also means you are going to court with your creditors, thereby destroying your credit.
Filing for bankruptcy makes it far more expensive, if not impossible, to buy a house or car, get a loan and maybe even obtain a job for several years. In the end you will also have to answer the question, “Have you ever filed for bankruptcy?”
How long will it take to pay off my debt?
The length of time for repayment varies varies greatly from client to client. Since, we can typically get high interest rates reduced, clients are often able to pay back their debt in an average time frame of five years from the start of their program. You will be provided an estimated repayment date and our client services department can provide you with an updated payoff date at any time.
Can I still use my credit cards?
If you need to keep one available, discuss it with your credit counselor. In order for us to serve you and reach an agreement with your creditor to reduce your fees, payments and interest, we will advocate for you to get out of debt, not stay in it.
We are making a pland for your financial well being, not continue the cycle of debt.
How do I update my account?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Can I pay more if possible and get done faster?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
What happens once I am complete with the program?
Once our records indicate you have completed the program, we attempt to verify all balances are paid in full. We also recommend you retain any creditor statements in your files. In some cases the pay off date may differ on the credit statement.
Paying off your accounts is viewed as a positive and we are available to help you create a plan to support your financial freedom.
Identity Theft
Who is Dependable Debt Recovery?
Dependable Debt Recovery works with families and individuals who are struggling with debt.
Some of our clients are current on their debt but living paycheck to paycheck others are being sued or facing garnishments.
Over the years, we have helped consumers achieve their goal of paying off their debt and achieving financial freedom. We help reduce or eliminate interest, stop any fees additions, stop any collection activity, phone calls, if applicable.
How do I update my account?
You can view and update your contact information by logging in to your account. You will be able to review and update your address, phone number, and email address. You may also make changes to your contact information, you may call our office for assitance.
How is debt management different from filing bankruptcy?
With credit counseling, you repay your creditors in full over time, usually with reduced interest and fees- terms they agree to.
Bankruptcy exists for a reason and for many consumers, but also means you are going to court with your creditors, thereby destroying your credit.
Filing for bankruptcy makes it far more expensive, if not impossible, to buy a house or car, get a loan and maybe even obtain a job for several years. In the end you will also have to answer the question, “Have you ever filed for bankruptcy?”
How long will it take to pay off my debt?
The length of time for repayment varies varies greatly from client to client. Since, we can typically get high interest rates reduced, clients are often able to pay back their debt in an average time frame of five years from the start of their program. You will be provided an estimated repayment date and our client services department can provide you with an updated payoff date at any time.
Can I still use my credit cards?
If you need to keep one available, discuss it with your credit counselor. In order for us to serve you and reach an agreement with your creditor to reduce your fees, payments and interest, we will advocate for you to get out of debt, not stay in it.
We are making a pland for your financial well being, not continue the cycle of debt.
How do I update my account?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Can I pay more if possible and get done faster?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
What happens once I am complete with the program?
Once our records indicate you have completed the program, we attempt to verify all balances are paid in full. We also recommend you retain any creditor statements in your files. In some cases the pay off date may differ on the credit statement.
Paying off your accounts is viewed as a positive and we are available to help you create a plan to support your financial freedom.
Third Party Authorization
How do I update my account?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
Can I pay more if possible and get done faster?
Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.
What happens once I am complete with the program?
Once our records indicate you have completed the program, we attempt to verify all balances are paid in full. We also recommend you retain any creditor statements in your files. In some cases the pay off date may differ on the credit statement.
Paying off your accounts is viewed as a positive and we are available to help you create a plan to support your financial freedom.