Reviews To Choose The Best Debt Settlement Company

"Are you thinking about using a debt settlement 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 settlement programs work best on credit card bills and unsecured loans as well as tax debts. 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 $2,500 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 of some clients 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.
  • Affordable for the average person.
  • Secure website.
  • Greatest 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.
  • In business for at least 7 years working nationwide.
  • 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.

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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.

Important Note: When getting your free debt consulations from the companies below be sure to enter a valid phone number. This will help you get the most value from the consultation.

Also, for those with more than $10,000 in debt, you may want to get a consultation from the top two companies rather than just one. Curadebt will beat anyone's quote for debt help anyway, and by getting two consultations you'll gain an even better understanding of the options available to you.


Rating 9.9/10
Customer Service



#1 Rated Debt Settlement Company In 2010

The following are five deciding factors that set CuraDebt apart from any other company I reviwed and leads me to give it the #1 rating for 2010:

ONE: CuraDebt is a member of TASC. This is the regulatory organization help ensure that you get the best service.

TWO: 4 different programs to choose from including debt management, local legal representation with an attorney, and a unique "debt buyer program" to save you the most money. If you choose to go with the local legal representation you will be matched with a legal representative who will meet you in person.

THREE: Testimonials and Settlement Proof. CuraDebt has better settlement letters and more testimonials on RatePoint than any other company evaluated. Also, we have received numerous testimonials and "thank you's" for visitors to our site who have signd up with CuraDebt.

FOUR: 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. Their team has more experience in the industry than most any other company.

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%.

FIVE: The program is the most flexible and is more personalized than other companies. 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 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.

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

* 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.


Rating 9.0/10
Customer Service

Also Highly Recommended

2. Credit.com

Out of the 17 companies that I reviewed, Credit.com took second place.

Their company information is clearly laid out, and on their main site they do lay out their debt relief options clearly. The company does save consumers money and is a member of various consumer organizations. I also liked that if you need it, credit.com can match you with lenders, student loan consolidators, tax negotiation specialists and others.

The reason I gave this site only 9 out of 10 is because the savings for debt negotiation provided through them didn't quite match those of Curadebt. There wasn't a very large difference, but when you're trying to get out of debt even a 2-3% difference counts. However, since they did rate so well, Credit dot com may be an excellent second choice (you may want to contact them as well). 

Curadebt will save you more money. But, for those who need a second option (or even want a second opinion), the link below will give you just that. 

Rating 8.0/10
Customer Service

Also Recommended

3. Debt Options

Debt Options, based out of Fort Lauderdale, FL.

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 8.0 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 picks.

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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