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First, However, We Need to Talk About Debt Relief Scams.Scams usually succeed due to desperation. Desperation is a human emotion that can easily lead people down the wrong path. It tends to make people choose sometimes bad decisions in order to quickly get out of a bad situation. Don't let your desperation for consumer debt relief or debt relief small business tempt you into going with a "fly-by-night" debt relief scam. These debt relief scam "opportunities" are all over the place, especially on the internet, so be careful what you get yourself into. You want to LEGALLY erase credit card debt (or whatever type of debt has you in trouble) and not get scammed or thrown in jail. Search Only for THE BEST Debt Negotiation Companies ...Which INCLUDES a BBB Clean Bill of Health!One of the Best Debt Negotiation Companies for consumer debt in the US is a company called CuraDebt (and Commercial Debt Counseling, CuraDebt's subsidiary company that focuses ONLY on the negotiation of commercial debt and debt relief small business). What puts CuraDebt and Commercial Debt Counseling at the top of the list of best debt negotiation companies? Well, we can talk about the SIMPLE answer to that question, and we can go into the more detailed reasons too. But what it all boils down to is that these two sister companies are (at least as of June 7, 2008) Members in Good Standing with the Better Business Bureau. Now, I don't know about you, but that holds a hell of a lot of credibility with me. Businesses can make all the claims they want, but for my money, only the very best get a BBB clean bill of health - and this company has kept its record extremely clean and impressive since joining the BBB in 2001. I always hold a large amount of skepticism for any service company. I've been burned enough times that I don't have a lot of trust for most internet-based services. When I look for any kind of service online or in the phone book, I look for that "BBB Reliability Program" logo attached to the service company's name. ...ESPECIALLY if I'm using the internet to look (because it's ultra-easy for scams to flourish on the internet). Also, a BBB member company is a must for me if I feel desperate for a service that is as important and personal as credit card debt negotiation settlement (or any kind of personal debt) ...or the negotiation of commercial debt (if I owned a small business that was in debt trouble). I need the peace of mind that ONLY the Best Debt Negotiation Companies with a clean BBB record will provide! DON'T BE a VICTIM!There are dozens of debt reduction scams, debt settlement scams, debt consolidation scams, debt relief scams, ...you name it. They prey on your vulnerable emotional state of desperation. They advertise an offer that looks too good to be true (and usually is) - and all you have to do is pay a hefty fee. Don't Fall For It! Don't fall for a credit card debt elimination scam that says they will wipe out all of your credit card debt by pulling some legal trick that no one else knows about (or some other too-good-to-be-true trick). Don't you think every "legitimate" debt relief company would be using these methods? The scam companies will take your money with a smile and RUN! Scam Company Characteristics to Watch Out For:- No Better Business Bureau (BBB) to prove reliability and good track record. They may post things like a Dunn and Bradstreet or Chamber of Commerce logo that any company can get. (Note: not all non-BBB members are scam companies, however, it makes you pause and wonder if they are legitimate and among the best debt negotiation companies, doesn't it?)- If you talk to a scam company on the phone, they may promise a certain amount of money that you will save, but the contract will make no mention of a guarantee. - Suggest you sign up for a debt consolidation program and pay your debts in full with interest (if they pay at all after receiving your fee). - Suggest that debt consolidation doesn't appear on your credit report - ...it does, and costs you much more than debt settlement. - Get you started and you never hear from them again. - Actually get you deeper in debt because behind the scenes they aren't doing a thing. Legitimate Companies Just Help You Sleep Better!** So again, what puts CuraDebt and its subsidiary, Commercial Debt Counseling at the top of my list of Best Debt Negotiation Companies? It's the fact that you can click on the Better Business Bureau symbol on the Curadebt site (or simply go to the BBB site) and bring up a BBB report on the business. CuraDebt has been a Member in Good Standing with the San Diego, CA BBB since 2001. There are other debt service companies who are BBB members throughout the country also, but not many have the outstanding, long-standing record of CuraDebt, which actually began their business in 1996. As of June 7th, 2008, if you pull up a report on CuraDebt, you'll find that over the past 36 months, THERE HAVE ONLY BEEN THREE BBB complaints filed against the CuraDebt / Commercial Debt Counseling company, all of which were satisfactorily settled with the customer. THAT IS POSITIVELY REMARKABLE for a company in the debt counseling / debt relief industry who helps over 10,000 clients every year and manages over $100 million in debt every year (that stat alone should tell you the company is among the best debt negotiation companies)! ...By comparison, I found another debt help service company who is ALSO LISTED WITH THE BBB, BUT HAS OVER 170 COMPLAINTS over the same 36 months! So OK, the point is made. - We've established that the Curadebt / Commercial Debt Counseling company reputation is outstanding and among the Best Debt Negotiation Companies ANYWHERE, but what can they actually do for you? Well, if you have at least $10,000 in consumer debt that you want professionally negotiated down or consolidated, or at least $15,000 in business debt, and you are BEHIND in your payments due to cash flow problems (which means your credit rating is already taking a hit), then you are an excellent candidate for the type of help that these two excellent companies can provide. Want some more outside information on debt relief?
CLICK HERE for a good, objective article on what to look for in the Best Debt Negotiation Companies. OUR Two Best Debt Negotiation Companies in the Industry (actually the SAME company) Will Give You:- A free online debt analysis, the results of which you will receive within 30 seconds. - A personal and skilled advisor who will help you every step of the way. Your advisor is additionally backed by an impressive NATIONWIDE staff of financial advisors, arbitrators, lawyers and lenders. The resources here cannot be beat. - Strong Company Leverage. Creditors know CuraDebt and Commercial Debt Counseling, and recognize them as being among the best debt negotiation companies around. With Curadebt managing more than $100,000,000 in debt every year, often a creditor or debt collector has more than one debtor represented by CuraDebt. - Relief from debt collection calls. CuraDebt and Commercial Debt Counseling take these calls for you and are experts at the Fair Debt Collection Practices Act - which states that if you or your debt negotiation company sends your creditor a cease-and-desist order from calling or communicating with you, they MUST abide or face a counter lawsuit of up to $1000 for each instance that they ignore the letter and contact you - unless it is to advise you of a lawsuit or settlement. - Debt Settlement vs Bankruptcy... ...(This Is A HUGE Benefit ...A Bankruptcy will play major havoc with your life for up to 10 years. But with the negotiation of consumer debt settlement or negotiation of commercial debt for a business, you should be able to start building back your good credit rating soon after settlement. Ask a CuraDebt Advisor About This!). - Relief from being charged a flat fee - you are only charged a commission on your debt savings + a one time retainer fee at the beginning ===> refundable if you don't save the money you are guaranteed to save in writing. - A WRITTEN GUARANTEE of what you will save (if you meet the criteria for being in the program) - And Oh Yeah, A BBB Member-in-Good-Standing. Only the Best Debt Negotiation Companies Offer All of These! One Drawback of Almost ANY Debt Settlement...* One thing you need to know about any debt settlement agreement is that Uncle Sam (the U.S. Govt) is probably going to want his share of your debt savings by requiring it to be taxable income. Ask a CuraDebt Professional about this. Get Your Free Debt Analysis NOW (takes 30 seconds), and receive a free initial consultation from an expert advisor. Fill out the Free Debt Analysis form:HERE (for assistance with Negotiation of Personal Debt)OR HERE (for assistance with Negotiation of Commercial Debt) Again, after filling this out, you will receive your free debt analysis within 30 seconds, plus you may be contacted by a debt help professional from CuraDebt for a FREE debt help consultation. =================================================== Finally, I'd like to say that if you are here looking for help because you have a severe debt problem, my heart goes out to you and I hope this information has been of the utmost help to you. God Bless. Make Income Through Helping OthersPS - You can help your situation even more by joining the CuraDebt Affiliate Program. If you feel as I do that CuraDebt is simply among the VERY BEST Debt Negotiation Companies in the US for helping consumers and businesses get back on their feet, then JOIN UP. There's nothing better than making referral income by simply HELPING OTHERS! With your help, we can touch more lives and help more people with their debt.
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