If you want to find the right settlement company offering legal services, why don't you have a word with the expert and seek his or her opinion on the various customer disclosures. If the settlement company expert has absolutely no idea what you're talking about then it is best to move on to some other service provider.
On the other hand, if the service provider speaks of a disclosure statement that clearly specifies and clarifies certain basic points related to debt settlement, then you should consider it as a good sign and move ahead with your negotiations.
Make it point to read the disclosure statement very carefully. The last things you want is to misunderstand and misinterpret something that has been said in the statement. If you sign the agreement, it is understood that you have read the disclosure and that you are in full agreement with the same.
There are many service providers who behave as if the disclosure agreement is not negotiable. That is definitely not the case. You can always have additional points incorporated into agreement if you think that it will safeguard a position. In the same way, you can ask for clarification or explanation on certain vague points.
You can insist that the service provider revise the agreement and include the point you require before you sign on the same. If your service provider is not prepared to make these changes, then do not hesitate to move on to some other service provider.
The industry standard disclosure statement has been prepared by The Association Of Settlement Companies. All those settlement companies that are affiliated with this association must follow the guidelines. This is not to say that the company cannot come up with its own set of disclosures.
The only point is that the company cannot violate and ignore the guidelines laid down by the association. If it proceeds to offer extra disclosure to the client, it is always free to do so. On the other hand, it cannot minimize or weaken the industry norms set by the association.
Considering various safeguard put forth by the various associations and bodies, you certainly can feel confident of finding the right company and finalizing the right deal. You should keep on searching until you find the right service provider. Never sign the deal just because you feel that other no other option left for you as far as debt relief is concerned.