Consumer Credit Services- Best Debt Management Reviews
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As an expert in consumer debt solutions, I am amazed at the number of competing offers that can be found today on the Internet, TV, and the radio today.

It is great to see so many options to get help with debts and out of financial hardships. However, if you are thinking about using a debt settlement reduction company for help settling credit card debt, how do you know how to find a debt management company that is reputable, honest, trustworthy, will save you money, and won't rip you off?

I want to shed some light on what is and what is not possible with consumer credit services.

First, it is NOT possible to save money on all types of debts. Debt settlement reduction programs work best on settling credit card debts and consumer credit help with unsecured loans. If you have car loans or home loans, these should not be included in a debt settlement reduction program.

Second, it is NOT for everyone. If you owe less than $5,000 in debt, it really doesn't make sense.

Third, you may only save 50-60% with debt settlement reduction 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 from USA and Canada of 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 consumer credit services 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 consumer credit services based on the following criteria:

  • Reputable, knowledgeable and organized staff.
  • Written guarantee for overall estimated savings.
  • Affordable for the average person needing help with debts.
  • Secure website.
  • Large amount of savings.
  • Work with 99% of creditors, and especially the tougher creditors like Citibank.
  • Has successfully negotiated millions of dollars of consumer and small business debt settlement.
  • 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 in consumer credit help and response times.
  • You get to speak with your consumer credit services debt negotiator whenever you want.
  • Flexible program based on what you have available on a monthly basis.

Below, I give you recommendations of the top three consumer credit services that I have tested based on all of the criteria above.

Knowledge is power, and even if you are not an expert in debt settlement reduction, I believe you can save money!

Get Out Of Debt Course

As soon as you get started with saving money with, let me know (, and I congratulate you because each person who gets help with debts is contributing to building a better America.



Rating 9.9/10
Customer Service

#1 Rated Best Debt Management Company Is

The team that founded CuraDebt began in 1996 providing consumer debt settlement services on behalf of individuals and small businesses. In 2000, the company started providing consumer debt settlement services nationwide.

CuraDebt is a member in good standing of TASC, the largest and oldest association of consumer debt settlement companies, they have the highest rating for consumer credit services by the Consumer watchdog.

We recommend that you ask any debt management  company that you are considering working with if they are members of the Online Business Bureau, just like CuraDebt.

CuraDebt saves you the most money for a variety of reasons. First, their negotiators have built up contacts with creditors over the years and settle in bulk instead of just one account at a time. For example, instead of just settling your debt of $10,000, they may be settling $250,000 of debts with the same creditor. This gives them a much greater ability to negotiate the greatest debt settlement reduction for you. In addition, CuraDebt is commission based, which means that it is in their best interest to get you the greatest savings.

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 provides business debt help through its Commercial Debt Counseling division.

You can browse through their website to read numerous testimonials as well as debt settlement letters from settling credit card debt showing savings from 50 to 89%.

You can get free, confidential debt settlement advice  when you visit their website and submit your information. Your questions regarding debt relief consolidation or debt settlement reduction can be answered by CuraDebt's patient, caring, and knowledgeable counselors.

2009 Update: there is now a 15% discount running on the site (speak or email a counselor after submitting your information for a free evaluation). This discount may not be available soon.

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

Rating 9.0/10
Customer Service


2. Debt Options

Debt Options, based out of Fort Lauderdale.

They provide you information on debt settlement reduction  as well as credit consolidation services. 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.

This debt management 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 9.0 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 pick.

Rating 7.0/10
Customer Service

Also Recommended

3. Superior Debt Relief

Out of the 17 debt settlement reduction companies that I reviewed, Superior Debt Relief made the cut for the top 3. The company is based out of Fort Collins, Colorado. Their company information is presented in an easy-to-understand manner.

The company does save consumers money and is a member of various important consumer organizations.

The reason I gave this site only 7 out of 10 is because of the amount of savings.

I feel that the #1 choice will save you more money as well as provide you with better customer service. For an individual or business owner who wants to get the best debt help, it is important to know that there are consumer credit services that offer excellent credit consolidation services when you need them.

I hope to have helped you with our research to come to an informed decision on which debt settlement company best suits your needs. Debt settlement reduction is the solution for settling 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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