Debt Reduction Program Reviews

Home   |   About   |   Contact Us

Last Updated:

"Are you thinking about using a debt reduction program, but not sure how to find a company that is reputable, honest, trustworthy, will save you money and won't rip you off?"

There are more people than ever before turning to debt reduction as a solution to pay back what is owed for what you can afford. There are so many companies today advertising on TV, the radio, print, and on the internet that I want to shed some light on really what is and what is not possible with debt reduction.

First, it is NOT for everyone. If you have less than $5,000 in debt, it really doesn't make sense because of the fees involved. It would be best to pursue debt settlement on your own. If you do not have anything to pay toward a reduced amount of debt, then bankruptcy may be your only option.

Second, debt consolidation and debt settlement both affect your credit. With debt settlement, you get done faster which enables you to start rebuilding your credit faster. You can also get a letter from a debt settlement company stating you are in their program and paying back part of your debts in case you need to get a loan during the program.

Third, your savings will depend on who your creditors are, how delinquent your debt is, what state you live in, the type of purchases, cash advances or balance transfers, and your current financial hardship. Your negotiating team will be working on your behalf to reach the lowest settlement possible with each of the creditors enrolled. You will definitely see the benefits as you will pay less in finance charges, and become debt free much sooner if compared to making minimum payments every month.

Fourth, in my review of some of the debt settlement companies recommended by non-experts, some actually caused people worse financial hardships. This is why a thorough review of your current financial situation, by completing a budget analysis, should be a must when trying to enroll in a debt settlement program to avoid finding yourself in this same situation.

I evaluated 17 of the top debt reduction companies based on the following criteria:

  • Reputable and organized staff.
  • Can help you reduce your unsecured debt with various types of programs that best suit your needs.
  • Affordable for the average person.
  • Secure website.
  • Work with 99% of creditors, and especially the tougher creditors like Citibank.
  • Works with unsecured debt and tax debt to help you with the widest possible help.
  • 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.
  • Fast Customer Service response times.
  • Has a very high customer rating as no one can give a better evaluation of a company than those who have used them before.
  • Flexible program based on what you have available on a monthly basis.

Below, I give you recommendations of the top three debt reduction companies that I have tested based on all of the criteria above.

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

As soon as you have enrolled in a program, please email me at ( and let me know how things are going; and I congratulate you because each person that is in control of their debt is contributing to building a better America.


Rating 9.9/10
Customer Service

#1 Rated debt reduction Company In

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

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

CuraDebt has partnered with some of the best law firms in the country focusing on debt settlement for many reasons. First, their negotiators have built up contacts with creditors over the years; and therefore, understand exactly how they work. This gives them a much greater ability to negotiate the greatest savings for you. In addition, as some program fees are based on performance, you will benefit as your negotiator will work to achieve the best savings for you. Also, they have many programs available, and have the ability to tailor a solution based on your needs.

You will have online access to your account, and customer service reps that will be able to assist you through this entire process until you have completed the program. Making you a central part of this process, and keeping you up to date on everything that's going on with your accounts.

You can browse through their website to read numerous testimonials, and get a free confidential consultation when you submit your information. Your questions regarding debt consolidation or debt settlement can be answered by CuraDebt's patient, caring, and knowledgeable counselors.

In Summary: Honest and thorough counselors focused on your needs and tailoring the right solution for you, excellent reputation, and based on the years in business, the most knowledgeable counselors in the industry - my #1 pick.

Rating 9.0/10
Customer Service


2. Debt Consolidation Care

Debt Consolidation Care can provide you information on debt settlement as well as debt consolidation. 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 in full.

The 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. Crusader Consumer Services

Out of the 17 debt reduction companies that I reviewed, Crusader Consumer Services made the cut for the top 3. The company is based out of Glendale, 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 wasn't as much as our top two debt reduction companies.

I feel that the #1 choice will save you more money as Ill as provide you with better customer service. For an individual or business owner who wants to get the best results, it is important to know that there is help in case it is needed.

I hope our research has helped you to come to an informed decision on which debt settlement company best suits your needs. Debt settlement is the solution to save money on your credit card debt by paying back an agreed amount based on what you can afford, and gaining control of your finances.

Where from here? I recommend CuraDebt:
<< Click here to get a free evaluation from CuraDebt >>

Compensation Disclosure

© 2005- Company. All Rights Reserved. No part of this website may be copied without the express written permission of the publisher. All violators will be prosecuted to the fullest extent of the law.

Anyone who distributes illegal copies of our system, or uses our trademarked/copyrighted text and/or images without permission will be reported to their billing and/or hosting company, and any other related companies for account closure. We will follow with a federal copyright infringement lawsuit in accordance with the The Digital Millennium Copyright Act (DMCA). To date, we have successfully prosecuted 23 parties.