Additionally, it does not charge any upfront fees, nor does it charge for its free counseling session.ĬuraDebt requires a low debt minimum of only $5,000, though that varies depending on what state you live in. The higher your enrolled debt amount, the lower your fee percentage. CuraDebt says that its enrolled agents (EAs) can help resolve a wide range of tax debt amounts.ĬuraDebt charges a fee that’s a percentage of your enrolled debt, ranging from 16% to 25%. A special service that CuraDebt offers is tax debt relief. It’s a member of the AFCC and has high customer service ratings on several user-reviewed sites.ĬuraDebt has been helping customers with credit card debts, personal loan debts, business debts and more since 2000. The company is also transparent about its terms of services, allowing prospective clients to read them online prior to enrolling, and there is an extensive FAQ page. While Accredited Debt Relief does not offer 24/7 customer service, clients can contact a representative seven days a week by either phone or email. However, the company’s website is not transparent about how to cancel and if there are any exclusions to this guarantee. This is similar to many of its competitors.Īccredited Debt Relief says that the program can be canceled at any time without penalty and has a money-back guarantee. While the company does not charge money upfront, expect to pay between 15% to 25% of your debt balances at the time of enrollment, depending on your location. To enroll in the program, you’ll need at least $10,000 of debt, and the company states the average client can reduce their debt load to 55%. It works with clients who have over $10,000 of unsecured debts, like credit card debts, medical bills, some personal loans and payday loans it cannot help with car loans, mortgages or student loan debt. Our pick for debt consolidation: CountryWide Debt ReliefĪccredited Debt Relief, a DBA of Beyond Finance, LLC, operates in 31 states plus Washington, D.C.Our pick for low fees: Pacific Debt Relief.Our pick for variety of debts: New Era Debt Solutions.Our pick for low debt minimum: Freedom Debt Relief.Our pick for additional services: National Debt Relief.Our pick for customer service: Accredited Debt Relief.This does not affect our recommendations or evaluations but may impact the order in which companies appear. Note that our picks may be Authorized Partners who compensate us. Accreditation with the International Association of Professional Debt Arbitrators (IAPDA) is another good sign. The American Fair Credit Council (AFCC) sets the standards in debt settlement, so looking for a company that holds AFCC membership is a good place to start. In selecting our top picks, we looked at factors including debt minimums, fees, program lengths and types of debt services. There are many risks associated with debt settlement, and it should only be considered as a debt solution after investigating other options, including credit counseling and debt consolidation. A debt settlement company should also be thoroughly knowledgeable of the regulations governing the industry. The best debt settlement companies offer transparent pricing, have low debt minimums and provide a wide array of financial education resources. You may want to consider debt settlement if you've fallen behind on your required debt payments or if you feel overwhelmed by creditors or debt collectors. Debt settlement is a type of debt relief program for consumers who want to reduce the amount of their existing debt that they're required to repay.
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