Choose The Best Debt Relief Option
Being in debt is so soul destroying that many people choose the wrong option when reviewing how to get out of debt.
"Are you thinking about using a debt relief company, but not sure how to find a company that is reputable, honest, trustworthy, will save you money and won't rip you off?"
There are more people than ever turning to debt relief companies today as a result of economic challenges. From debt consolidation to debt settlement, these companies offer a solution to put peace of mind back into your household's finances. With so many companies advertising on the internet, radio and TV, I want to shed some light on what is and what is not possible with debt relief.
First, it is NOT possible to save money on all types of debts. Debt relief programs work best on credit card bills and unsecured loans. If you have car loans or home loans, these should not be included in a debt relief program.
Second, it is NOT for everyone. If you have less than $5,000 in debt, it really doesn't make sense because of the fees involved. It would be best to pursue debt settlement on your own. If you do not have anything to pay toward a reduced amount of debt, then bankruptcy may be your only option.
Third, your savings will depend on who your creditors are, how delinquent your debt is, what state you live in, the type of purchases, cash advances or balance transfers, and your current financial hardship. Your negotiating team will be working on your behalf to reach the lowest settlement possible with each of the creditors enrolled. You will definitely see the benefits as you will pay less in finance charges, and become debt free much sooner if compared to making minimum payments every month.
Fourth, reviews of some of the debt settlement companies recommended by non-experts, some actually caused people worse financial hardships. This is why a thorough review of your current financial situation, by completing a budget analysis, should be a must when trying to enroll in a debt relief program to avoid finding yourself in this same situation.
Evaluations of the top debt relief companies are based on the following criteria:
Can help you reduce your unsecured debt with various types of programs that best suit your needs.
Affiliated with Better Business Bureau (BBB).
Member of the Chamber of Commerce in good standing.
Member of TASC - The Association Of Settlement Companies.
Member of IAPDA - International Association of Professional Debt Arbitrators.
Fast Customer Service response times.
Has a very high customer rating as no one can give a better evaluation of a company than those who have used them before.
Flexible program based on what you have available on a monthly basis.
Works with unsecured debt and tax debt to help you with the widest possible help.
Below, I give you recommendations of top debt relief companies that have a solid reputation and are dependable. I hope these reviews help you in your quest to become debt-free!.
Knowledge is power, and even if you are not an expert in debt relief, I believe you can save money!
Debt Negotiation, Debt Settlement, Repayment plans, and Debt Consolidation are just some of the options you can pursue. However, not all debt relief companies and plans are the same. You need to find the right debt relief solution, and just as importantly, the right debt relief company, to work with in order to address your financial needs.
Top Choices for Debt Relief
Top Award Winning Debt Relief Company - CuraDebt
The team that founded CuraDebt began in 1996 providing debt settlement services on behalf of individuals and small businesses. In 2000, the company started providing debt settlement services nationwide.
CuraDebt is a member in good standing of TASC, the largest and oldest association of debt settlement companies, they have one of the highest ratings for debt relief companies by the Consumer watchdog.
CuraDebt has partnered with some of the best law firms in the country focusing on debt relief for many reasons. First, their negotiators have built up contacts with creditors over the years; and therefore, understand exactly how they work. This gives them a much greater ability to negotiate the greatest savings for you. In addition, as some program fees are based on performance, you will benefit as your negotiator will work to achieve the best savings for you. Also, they have many programs available, and have the ability to tailor a solution based on your needs.
You will have online access to your account, and customer service reps that will be able to assist you through this entire process until you have completed the program. Making you a central part of this process, and keeping you up to date on everything that's going on with your accounts.
You can browse through their website to read numerous testimonials, and get a free confidential consultation when you submit your information. Your questions regarding debt consolidation or debt settlement can be answered by CuraDebt's patient, caring, and knowledgeable counselors.
In Summary: Honest and thorough counselors focused on your needs and tailoring the right solution for you, excellent reputation, and based on the years in business, the most knowledgeable counselors in the industry - one of my top picks.
Note: CuraDebt services are not available to residents in some states
Click Here to Get A Free Consultation From CuraDebt
Top Award Winning Debt Relief Company - National Debt Relief
National Debt Relief offers a free consultation to examine your financial situation and based on that analysis, they can offer you a custom debt solution with no upfront fees.
National Debt Relief specializes in creating custom financial solutions for customers with $7,500 or more in unsecured debt. They take a proven, thoughtful approach in developing their personalized debt relief plans, and have helped over 100,000 customers get out of debt since 2007.
National Debt Relief are experts at debt settlement and debt negotiation. They have many debt settlement letters proving how they've saved their customers thousands of dollars. Of course, the amount of savings can vary from customer to customer based on a variety of factors. Once you create your custom debt relief plan with them, they'll be able to tell you how much you can expect to save in your situation.
If a debt relief company wants to charge you fees up front, run away. Reputable firms such as National Debt Relief charge no fees until they have negotiated settlements with all your creditors and presented you with a payment plan that you approve. You should also expect the debt relief company to be staffed by helpful, compassionate and experienced debt counselors who have the wherewithal to get your debts settled for thousands of dollars less than you owe and to help you get out of debt in 24 to 48 months.
Trust National Debt Relief
Click Here to Get A Free Consultation From National Debt Relief
Recommended - American Debt Enders
They offer free, no obligation, credit counseling to identify the best way to improve your financial situation. Some of their specific services include debt settlement, debt consolidation, and credit repair. The American Debt Enders website offers easy-to-read information that educates you about your options, including the pros and cons of each program they offer.
American Debt Enders is a no-nonsense company that does a good job of both educating the consumer and identifying viable solutions to assist those that have accumulated too much debt.
If You Have A Debt Problem, You need to know all your options.
American Debt Enders can get you on the road to Debt Freedom.
Click Here to Go To American Debt Enders
Recommended - Debt Consolidation Care
Debt Consolidation Care can provide you information
on debt settlement as well as debt consolidation. Debt consolidation is
joining all of your debts into one payment with potentially lower
interest rates. Debt settlement is where the debts are negotiated to pay
back less than the balance in full.
The company has a good level of customer service and satisfied clients.
To start the process with Debt Consolidation Care you must provide your name, phone number, email, and unsecured debt number. Once submitted you can anticipate a phone call from someone to discuss the actual program available at Debt Consolidation.
Click Here to Go To Debt Consolidation Care
Do It Yourself - Credit Bureau Secrets
The Credit Bureau Secrets Exposed will demonstrate to you proper methodologies to get duplicates of your credit reports
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Change your credit then Change your Life NOW!
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Watch the video on YouTube https://youtu.be/lXCSw4EMm5g
I hope our research has helped you to come to an informed decision on which debt settlement company best suits your needs. Debt settlement is the solution to save money on your credit card debt by paying back an agreed amount based on what you can afford, and gaining control of your finances.
Also I hope the articles and links to debt repair and credit repair information has been helpful.
Where to from here? I recommend either CuraDebt or National Debt Relief because they have the top consumer feedback.
<< Click here to get a free evaluation from CuraDebt>>
<< Click here to get a free evaluation from National Debt Relief>>