Debt relief companies have been around for many decades in one form or another. Since there are so many scams out there, you should always be careful when getting help from “experts.” Sure, you can find a legitimate consumer debt relief program that charges fees, but you should take the time to research that company and evaluate your own options to determine if it offers the right services for you.
There are numerous ways to deal with debt, including some do-it-yourself methods, but many people find themselves so tied to their debt that they just want a company to help them get everything organized. If you feel like you’re really behind on a lot of payments and don’t know what to do, then it makes sense to seek help from a company that knows how to help you get back on your feet.
If your debts mainly involve credit cards, then it should be easier to get some relief. These are the types of debt relief programs typically offer consumers:
• All major credit cards (MC, Discover, Visa, AMEX, etc.)
• Department store cards (PayPal, GAP, Sears, Walmart, etc.)
• Gas cards
• Most bank loans from previous banks
• Unsecured personal loans
• Installation loans
• Bad rent (if you are no longer a resident)
• Business debts (if the business has already closed)
• Old cell phone bills (not current)
Consumer Debt Relief Program Inquiry
Not every single one of these will be offered by every consumer debt relief program, and some companies may even be able to help you with more.
When getting a free consultation, the company should tell you what options might be best for you. For example, a consolidation loan is often a good idea for those who will benefit from paying just one bill each month instead of dozens, even if the interest on the consolidation loan itself is not low.
Credit counseling is almost always a good idea, since you will have a professional who can advise you on the best way to handle your particular credit problems. If creditors find out that you’ve signed up for a counseling, management, or payment plan, they may be willing to give you a little break. However, your credit score could be affected.
Get answers to all your problems when you get a consultation with CuraDebt – the #1 consumer debt relief program. Get a free consultation on how much you can potentially save and what would be the best strategy for your financial situation.