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CuraDebt

CuraDebt is a company based in San Diego, California that specializes in debt consolidation services for individuals and businesses across the nation. With over 10,000 annual clients and over $250 million in debt successfully settled, CuraDebt is one of the front-runners in credit counseling.

The founders of CuraDebt had already been in the credit counseling business for 25 years when, in 2000, the need for an online option for its valued customers lead to the birth of "CuraDebt". Their credibility was further enhanced when in the same year CuraDebt became partners with a huge consumer credit counseling agency, which was managing consumer credit in excess of $200 million per year. This resulted in not only major growth for the company but also a more diversified range of financial products and services.

Today CuraDebt offers several unique and personalized services: consolidation of business and personal debt as well as negotiation services for businesses and individuals wanting to reduce their debt amount with creditors. This is known as debt settlement. For this second service, CuraDebt runs a sister site called Commercial Debt Counseling.

CuraDebt differentiates itself by assigning experienced personal financial counselors to its clients. These counselors work in association with a support team of expert and credible lawyers, lenders and advisers.

Once CuraDebt has permission from the client to manage their debts, all creditor calls to the client are instead immediately taken over by CuraDebt so they can apply their debt management , since CuraDebt has the experience in handling and negotiating the payback terms. There are samples of this on the CuraDebt website also. Approval and acceptance of settlement deals by the client is of utmost importance to them. It does not, like many other companies, accept any settlement on the client's behalf without their consent. CuraDebt allows the client the flexibility to review and approve the final settlement package.

Their debt reduction plans encompass various payment plans and also settlements in lump sum, if so applicable. Therefore, interest rates and minimum payments are significantly reduced.

CuraDebt, due to its long term good standing with creditors, collection agencies and law firms nationwide is able to strike the best deal possible. They do not negotiate "your" $10,000 - in fact they pool your credit with others and negotiate in volumes. The bigger the numbers, the better the leverage they have over other companies, and thus a higher success rate.

Their website is user friendly and simple. Available to all clients is an online form that guarantees 100% confidentiality, a free CuraDebt newsletter, a toll free number for free debt analysis, an affiliate program and a CuraDebt debt help forum for any queries the client may have. There's even a forum section that guides readers on how to make money using CuraDebt's forums!

CuraDebt has an excellent standing with the San Diego Better Business Bureau (BBB) from November 2001, and is also a member of the San Diego Chamber of Commerce. CuraDebt's 100% Money back Guarantee is further proof of its credibility and authenticity. This guarantee ensures that the total money paid back to all creditors, including CuraDebt's fee will, in totality is less than the total amount due to its creditors (at the time of entering the program) OR CuraDebt's services are free.

For further credibility it is also backed up by and a member of TASC (The Association Of Settlement Companies), U.S.O.B.A. and is also listed with Dun & Bradstreet.

CuraDebt is transparent and extremely legitimate in this regard. It is a purely commission based company. They earn a percentage of the money they help you save. CuraDebt gets paid only if you save money. The goodwill and credibility associated with the CuraDebt website is extremely reassuring. Its stellar performance is recommended by "Top Consumer Reviews", the accredited consumer watchdog and review site.

In all cases where you offer your financial situation to another person or company to manage, it is always wise to do full due diligence and consult with your own financial advisors. Having said that, CuraDebt is certainly a debt consolidation and debt settlement company to consider.

For more information on Debt Consolidation companys, go to Debt Consolidation.

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