If you are one of the millions of people who owe thousands of dollars to debtors, then you are undoubtedly looking for the best debt relief programs. There are many programs and organizations that claim to offer some sort of relief, but many of them are a scam. How do you know which one you can trust? How can you do debt relief correctly?
One of the most important things to look for is a company that will give you a free consultation. You should never be expected to pay money upfront for anything. There should be a free 1-800 number for you to call or a form to fill out to inquire about services and possible solutions to your debt problem.
Another important consideration is nationwide experience. Look beyond a state level organization, since some of your debts probably aren’t exclusive to just your state, and every state has its own laws. It’s ideal to stick with a company that has been offering debt relief and negotiation assistance for at least 15 years.
You should be provided with the reassurance that your debt isn’t 100% your fault. The best debt relief programs will help you to understand how unfair some lenders can be. Credit card companies and loan lenders make it easy to open up a line of credit, yet make it challenging for you to pay it all off. You fall behind just a bit and the interest rate will rise so high that the next thing you know, you owe tons of money and have no idea how to even begin to catch up.
Experience to Look for in the Best Debt Relief Programs
Make sure that the company you choose has experience negotiating the types of debts you owe .For some individuals, it is credit card debt. For some, it’s business debts. Hospital and medical bills can be very costly as well – especially for those without good health insurance. IRS debts and back taxes can be incredibly frustrating. Before selecting a debt relief service, inquire as to whether they have experience dealing with your situation.
Unfortunately, there are some situations that even the best debt relief programs can’t help you with, namely certain types of lawsuits, government loans, student loans, mortgage loans, secure debts, etc. If you are involved in a lawsuit and feel that yours might be a “special case”, be sure to inquire about it in your free consultation.
Keep in mind that debt relief is something that takes time. Any company that promises a “miracle” is not to be trusted. Do careful research before deciding on the best debt relief programs. One particular company that has a good reputation and has been around since 2000 is CuraDebt. In addition to free consultation, there are some occasional special CuraDebt coupon offers that pop up.