Debt Relief Programs

Debt Relief is more important now than ever before. Across the country, millions of people are finding it more and more difficult to meet their financial obligations. As mortgage interest rates rise, Adjustable Rate Mortgage (ARM) payments skyrocket. Credit card late fees continue to climb higher.

Lenders keep offering credit to people who are in desperate need of help, but this only prolongs the problem, and often ends up simply increasing the total debt owed by a person. Thankfully, there are a number of opportunities available if you find yourself in this situation. 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.

With all the debt-related offerings available, it can sometimes be confusing when examining the different debt relief programs and companies. When comparing your debt relief options, there are a number of important features you should consider. Some of these include:

  • Solutions.  Does the company only offer one debt relief solution? Or are they well-versed in a number of options? Having a variety of choices means they can find the right debt relief program that fits your specific needs.
  • Cost.  How does the debt relief company get paid? The best ones will earn their money from a percentage of what they save you; that way, they only get paid if you save money.
  • Dependability.  There are many fly-by-night debt relief organizations out there. How long has the company been in business? Are they affiliated with the BBB (Better Business Bureau)? Is this a company you can trust?

TopConsumerReviews.com has reviewed and ranked the best debt relief programs available today. We hope these reviews help you in your quest to become debt-free!

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 2009.

The National Debt Relief website is clean and customer-friendly. To start, you simply fill out their online form or call their dedicated debt help line at 1-888-979-9776. You’ll discuss your financial situation with one of their certified debt counselors, who will walk you through a free debt analysis. Their staff is knowledgeable and friendly, and together you will create a plan to pay off your debts for less than you owe. Best of all, you can get started on your plan with no upfront fees.

The professionals at 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.

One of the things we liked about National Debt Relief is that they’ve earned an “A+” rating as an accredited business with the BBB. Part of this rating is due to their 100% customer satisfaction guarantee. If you’re not happy with their service, you can cancel at any time without penalties or fees. This is another strong feature that separates National Debt Relieffrom most other debt relief companies.

For people suffering under a large amount of debt, National Debt Relief is a fantastic option. Their knowledgeable, friendly approach has a proven track record of success, while their strong BBB rating and satisfaction guarantee confirms their focus on the customer. If you want to get out from under the debt load you’re facing, National Debt Relief (1-888-979-9776) is a great place to start. They earn our highest rating.

Specializing in providing financial solutions for total unsecured (or tax debts) of $10,000 or greater, the founders of CuraDebt have been in business since 1996 providing financial advice along with creditor negotiations, settlement, and arbitration services to both individuals and small businesses. CuraDebt expanded nationally in 2000 through their web presence and has successfully helped thousands of people escape their debt issues.

On your initial free, confidential consultation, CuraDebt takes the time to understand your current financial situation, as well as your short-term and long-term goals. CuraDebt has access to the top A+ rated professionals and companies in the industry. Based on a thorough understanding of what you want to accomplish, CuraDebt will connect you with the right staff that can best help you reach your goals.

In addition to debt negotiation and debt settlement, CuraDebt counselors can help advise regarding debt consolidation plansdebt management plansconsumer credit counselingtax debt relief, and more. Their skilled professionals are knowledgeable about each of these services, and can review the best options with you.

If you sign up with CuraDebt’s online form, make sure you provide a valid phone number and email address. With your initial call, you’ll be assigned a friendly, experienced financial counselor to help guide you through your financial options. This person develops a knowledge of your personal financial situation and works with you to create a comprehensive solution to meet your needs. They also stay in contact with you while you progress through your debt resolution plan, until you’ve reached your financial goals. This is a great benefit, since your goals may change and it’s good to have a familiar, knowledgeable expert readily available to answer any questions you may have.

If you have unsecured or tax debts totaling $10,000 or more, CuraDebt is a terrific choice. They are experts in a wide variety of debt relief options and can provide you with a comprehensive solution that meets your needs. With knowledgeable counselors, extensive resources, and proven results, this dependable company earns an excellent rating.

Note: CuraDebt services are not available to residents in the following states: CO, CT, GA, IA, ID, IL, KS, ND, NH, SC, VT, WA, WI, WV.

LendingTree is one of the most recognized names in the personal loan market. They connect borrowers with a wide variety of lenders that can meet their debt relief needs with loans ranging from $1,000 to $35,000.

As a connection service rather than a direct debt relief lender, the loan products that LendingTree offers and their terms and conditions naturally vary with each individual lender. One advantage of using LendingTree is the ability to survey multiple lenders’ debt relief offers without having to disclose one’s personal information to those lenders. You only have to make yourself known when you’ve made the decision to apply for the loan that best fits your debt relief needs. Borrowers can also use offers obtained on LendingTree to negotiate directly with lenders; LendingTree provides customers with lenders’ direct contact information for that very purpose.

If you choose to research debt loans using LendingTree, be aware that you will need to provide your credit score, which is used by lenders to determine if they would like to compete for your business. Even if you have a low credit score, you may still receive loan offers, because LendingTree works with such a large variety of lenders.

One thing to note is that LendingTree’s main website takes you to the page for entering your information to get started in the loan process. Other than that, there is very little information on that page. We were able to determine that entering your personal information will not impact your credit report or your credit score, although we would have liked to see that fact clearly spelled out on LendingTree’s landing page.

With a solid A+ rating from the Better Business Bureau, reliable history, and its ability to connect debt relief borrowers with a wide range of potential lenders, we give LendingTree good marks.

Accredited Debt Relief is a reputable company that helps customers reduce their debt obligations by matching them with partner services. Just by looking at their “Proven Results” page, it’s easy to see the advantages of working with ADR. For example, their customers with debts owed to Bank of America were able to reach settlements that saved them anywhere from 52-80% of the original amounts owed. Similar results are listed for clients of HSBC, The Home Depot, Sears, and many other businesses. According to the fine print at the bottom of the page, Accredited Debt Relief tells clients to expect to pay up to 75% of their enrolled debt balance, which includes any fees charged by ADR’s debt relief partners, over the course of two to four years.

To get started with Accredited Debt Relief, you’ll need to enter your first and last name, email address, state of residence, phone number, and the amount of debt you’re looking to manage (from $1 to over $100,000). You’ll receive a call from one of ADR’s representatives, and you are asked to have a recent copy of your credit scores and credit reports on hand to prepare for the discussion. You can get that information for free on the page after you enter the information described above, by clicking on the “Get My Free Credit Scores Now” button. During the phone call, the debt specialist will go through your credit profile, to get a feel for your situation and help you to understand the available options.

We were impressed by the overwhelming number of customer reviews that described Accredited Debt Relief’s representatives as kind, knowledgeable, and patient. Although they do eventually wind up handing you over to a partner company at some point during the process, since ADR is not a relief company in itself, it’s good to know that people are in good hands from the start. Their A+ rating with the Better Business Bureau is further evidence that they deliver what they promise.

Our main reason for not giving Accredited Debt Relief a score higher than 3.5 stars was a lack of information on their website. Most of their higher-ranked competitors provide details as to the average fees charged – either by themselves or by the debt relief companies with which they partner – so that prospective clients can get an idea of those rates before making that first contact. Also, the ADR site says in multiple places that they operate in “most states”, but that their service is “not available in all states and [their] fees may vary from state to state”. It would save customers time if they knew in advance that their state is not one of those covered by Accredited Debt Relief’s services.

Overall, Accredited Debt Relief demonstrates a great track record for quality customer service as they connect people with debt relief services.

Franklin Debt Relief is located in Chicago, Illinois and was incorporated in 2006. They work with clients that have unmanageable unsecured debt but do not specify the minimum requirement. The website is user friendly and informative despite some unprofessional typos. Franklin Debt Relief focuses on debt settlement services and does a good job of outlining the different lingo and terminology often used in the practice of debt relief.

To initiate the debt analysis process with Franklin a customer must simply complete a quick questionnaire and await a call. Another option is to gather statements and records of unsecured debt and call Franklin directly to speak to someone. If you agree with the debt settlement plan, which is outlined by Franklin, you will be asked to stop making payments to creditors and forward all moneys to them to be placed in a trust account. They in turn will accumulate the cash and wait for the creditors to become anxious to settle your debt. In the meantime, interest and penalties occur on any of your outstanding debt, and Franklin Debt Relief takes their cut from your monthly payment.

One of our concerns with Franklin is their customer service team. In our first call we spoke with someone outside of the USA that seemed to not only have trouble speaking and understanding English but had trouble with the company policies. It was a little unsettling that Franklin Debt Relief outsources their customer service team to individuals that may or may not be on the up and up with our highly sensitive financial information.

Overall, we liked the information on the site but found the lack of details to be a little unsettling. We also couldn’t confirm what states Franklin works with and had some concerns with their customer service team. As such, we suggest you choose a company that is more upfront about all aspects of settling your debt.

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