Reviews To Choose The Best Debt Relief Company

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"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.

Third, you may only save 50-60% depending on the types of creditors you have, how delinquent the debts are, what state you live in, what type of purchases the debts were for, and your current financial situation. Yet, with that said, I've had reports from USA and Canada of savings as much as 89% on credit card debts. You will still have to pay something to the creditors, but your bill would likely be cut in half to one third of what it is right now.

Fourth, in my review of some of the debt settlement companies recommended by non-experts, some actually caused people worse financial hardship and forced them to file bankruptcy, which is the worst possible mark for a person's credit standing.

I evaluated 17 of the top debt relief companies based on the following criteria:

  • Reputable and organized staff.
  • Written guarantee for overall savings.
  • Affordable for the average person.
  • Secure website.
  • Large amount of savings.
  • Work with 99% of creditors, and especially the tougher creditors like Citibank.
  • Has successfully reduced millions of dollars of consumer and small business debt.
  • Fastest completion times.
  • Helps protect your credit standing.
  • 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.
  • Customer satisfaction response times.
  • You get to speak with your debt negotiator whenever you want.
  • Flexible program based on what you have available on a monthly basis.

Below, I give you recommendations of the top three debt relief companies that I have tested based on all of the criteria above.

Knowledge is power, and even if you are not an expert in debt relief, I believe you can save money!

As soon as you get started with saving money with, let me know (info@debtreliefprogramsreviewed.com), and I congratulate you because each person who takes charge of their debts is contributing to building a better America.

 
YOUR TOP CHOICE FOR DEBT RELIEF

 

Rating 9.9/10
Experience
Savings
Customer Service
Reputation

#1 Rated Debt Relief Company In 2009

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 relief services nationwide.

CuraDebt is a member in good standing of TASC, the largest and oldest association of debt settlement companies, they have the highest rating for debt relief companies by the Consumer watchdog.

We recommend that you ask any company that you are considering working with if they are members of the Online Business Bureau, just like CuraDebt.

CuraDebt saves you the most money for a variety of reasons. First, their negotiators have built up contacts with creditors over the years and settle in bulk instead of just one account at a time. For example, instead of just settling your debt of $10,000, they may be settling $250,000 of debts with the same creditor. This gives them a much greater ability to negotiate the greatest savings for you. In addition, CuraDebt is commission based, which means that it is in their best interest to get you the greatest savings.

You get to speak with your negotiator who has all the details on your accounts and works with you based on what you have available on a monthly basis or as a lump sum. The company also works with businesses through its Commercial Debt Counseling division.

You can browse through their website to read numerous testimonials as well as debt settlement letters from credit card companies showing savings from 50 to 89%.

You can get a free confidential consultation when you visit their website and submit your information. Your questions regarding debt consolidation or debt settlement can be answered by CuraDebt's patient, caring, and knowledgeable counselors.

CuraDebt negotiates on unsecured debts (personal and commercial) and does NOT provide loans or help with secured debts like mortgages or car loans (when care is in possession of the person).

Client Reviews for CuraDebt

Vernon & Ethel Dempsey

03/03/2010

My wife and I were very unsure about using a service of this type. We knew nothing about it. Frankly, we decided to work with CuraDebt because of our initial contact person, Renata. She was very professional, answered all of our questions and dealt with us in a manner that was comfortable for us.

 

RatePoint Reviewer

02/11/2010

I enrolled into curadebt after carefully completing my research about them in the Internet.So far they have settled two of my accounts with creditors and I am completely satisfied with the service offered by Curadebt. They are doing a great job in negotiating better deals from creditors which we will not be able to do. I enrolled into curadebt after carefully completing my research about them in the Internet. So far they have settled two of my accounts with creditors and I am completely satisfied with the service offered by Curadebt. They are doing a great job in negotiating better deals from creditors which we will not be able to do. I would like to give SARA ALVAREZ (curadebt negotiator) special appreciation for working so hard and getting me better deals.

 

jk

02/06/2010

Last year my Wife and I were in a position we had never been in before. We both had good steady jobs with decent income, and the the economy went bad. My wife lost her job and I had hours at my job reduced. We tried to pay all of our bills, and we did for a certain period of time, but it was getting more difficult as the weeks went on.

 

Family facing unemployment needs help

02/04/2010

Great company. Was very skeptical about using any debt reduction company, as I hadn't heard about them. But we really needed help to eliminate debt, and didn't want to declare personal bankruptcy, so we chose this route. My husband found Curadebt on the internet, and researched them thoroughly before we went ahead with the program.

 

Rick & Gail

01/26/2010

At the end of 2008 we knew we needed help to pay off our credit cards. We were like so many others just getting deeper in debt. We knew we needed help and we wanted to make sure that we did pay what we owed to our creditors. We did a search on the internet and looked through the BBB and found that CuraDebt was the best company that could help us.

 

Sunny and Mark

01/21/2010

Our negotiations department manager, Sandra R. Stringer, at Cura-Debt went the extra mile for us as our situation kept getting more and more dire. She is very personable and empathetic and saved us not only money, but also tons of stress-relief. Thank you Sandy!

 

RatePoint Reviewer

01/18/2010

Signing up for Curadebt is not an easy decision, especially that being in debt looked like bad decisions had been made in the past. I choose Curadebt because of all the Debt Settlement company I looked for and searched in the internet- Curadebt has one of the few with good reputations. I am happy with the service that Diego P. provided for me,

 

Joanne

01/16/2010

I do not know where to begin. I am so thankful for Diego P. He is kind, helpful,understanding, patient and always pleasant. When i first started in this program i was so worried that this was to good to be true i waited for the "shoe to drop" waiting for the catch, I started out with Yamille, she was great always there for me she settled a few of my debts with great results, then, she told me Diego was taking over i was so afraid because i built such a trust in Yamille. Then Diego called and started working with me and i was taken back at how wonderful he is, He is always in contact with me he helped me through, he always let me know that i didn't need to worry that he and CursDebt were there for me and they were. I am almost through with the program my settlements were great, I encourage anyone that is in debt and feel helpless please enter this program. I will answer any questions if anyone has any doubts. Again i cannot thank Diego enough for being there for me in what seemed to me at the time a hopeless situation. Thank you is not enough.

Mary V Cook

12/10/2009

In 2005, my husband and I found that we were unable to keep up with our bills any longer. I ran a search online for debt negotiators and found Curadebt. I read the testimonials and discussed it with my husband. We decided to take a chance on it. I'm so glad we did! In 2007, my husband passed away and I was able to finish paying off our debts.

 

Rick

12/09/2009

Like so many others I found myself in need of a company and person who would go to bat for me in settling my outstanding credit card debt. CuraDebt settled my account for 50% and was able to arrange for it to be over 3 payments as well. I received professional treatment and treated with care and respect. Thank you Kathrine M. and CuraDebt.

2010 Update: there is now a 15% discount running on the site (make sure to call, chat online, or email a counselor as soon as possible after submitting your information for a free evaluation). This discount may not be available soon.

* After you submit your information, make sure to immediately call, email or chat with one of CuraDebt's senior debt advisors about their free credit restoration offer valued at up to $479.

You will be receiving a call and email from CuraDebt from an "858" number (please answer your phone).  CuraDebt is here to help you and is not a collector of any type.

In Summary: Greatest savings, quick and easy to get started, honest counselors, excellent reputation, and average savings of 50 to 80%- my #1 pick.

Rating 9.0/10
Experience
Savings
Customer Service
Reputation

Recommended

2. Debt Options

Debt Options, based out of Fort Lauderdale,
FL, is a member of the BBB since 2005.

They 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 owed.

The company has a good level of customer service and satisfied clients.

I've been asked that with all these benefits, why only a rating of 9.0 out of 10. Well, the answer is that I found their program to be more expensive and it is much better to go with the top pick.

Rating 7.0/10
Experience
Savings
Customer Service
Reputation

Also Recommended

3. Credit.com

Out of the 17 debt relief companies that I reviewed, Credit.com made the cut for the top 3. The company is based out of Fort Collins, Colorado and is a member of the BBB. Their company information is presented in an easy-to-understand manner.

The company does save consumers money and is a member of various important consumer organizations.

The reason I gave this site only 7 out of 10 is because of the amount of savings as well as number of BBB complaints. I

I feel that the #1 choice will save you more money as well as provide you with better customer service. For an individual or business owner who wants to get the best results, it is important to know that there is help in case it is needed.

I hope to have helped you with our research to come an informed decision on which debt relief company best suits your needs. Debt relief with debt settlement is the solution on saving money on your credit card debts and paying back an agreed amount based on what you can afford.

Where from here? I recommend CuraDebt:
<< Click here to get a free evaluation from CuraDebt>>

 

 

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