Commonly, low-income people or families with over-extended funds turn to debt relief and debt consolidation programs to help solve financial problems. Debt relief or consolidation potentially reduces interest, lessens payment amounts and combines many bills into a single monthly payment. Most creditors work with these organizations to help individuals and families find their way out of debt and point them toward financially stable futures.
CuraDebt
Since 1996, Curadebt has settled more than $250 million worth of consumer and business debt, helping thousands financially troubled individuals and small business owners alike. According to the company's official website, CuraDebt negotiates with lien holders, banks and credit card companies to assist consumers in debt and lead them to mutual settlements. Since 2000, the company has done this via an online presence. Personal debt negotiation allows consumers to pay back reduced amounts to creditors, while debt consolidation combines credit card bills into a single monthly payment via a non-profit program. CuraDebt's program potentially stops collection agency and creditor calls and reduces interest rates, minimum payments and past-due amounts. CuraDebt offers free savings estimates and live chat at their website, CuraDebt.com, as well as free debt analysis via phone at 877-850-DEBT.
CuraDebt
12707 High Bluff Dr. Suite 200
San Diego, CA 92130
877-850-3328
curadebt.com
CareOne
According to the organization's official website, CareOne debt relief services has utilized relationships with nearly 250,000 creditors to help more than 4.5 million people with debt problems (as of 2010). CareOne offers a variety of programs tailored to individual circumstances, including repayment programs and money management programs for debt-free futures. Debt relief programs help individuals pay less each month, pay off debt faster, consolidate bills into one monthly payment and build money management skills. Settlement plans assist low-income individuals in negotiating with creditors to repay a portion of total debt to avoid bankruptcy. Certified coaches provide debt management guidance online and over the phone, at CareOneCredit.com or 888-888-CARE.
CareOne Services Inc.
8930 Stanford Blvd.
Columbia, MD 21045
888-888-2273
careonecredit.com
Debt Consolidation of America
Debt Consolidation of America serves as a non-profit organization focused on helping individuals and families manage their money and avoid personal bankruptcy. According to their website, this organization provides consumer credit and budget counseling meant to manage debt via fixed payments. Over-extended individuals may stop late fees, reduce interest and lower monthly payments via negotiating medical bills, credit card accounts, service charges and a variety of loans (from student loans to signature loans). After determining an applicant's financial profile, Debt Consolidation of America creates a revised payment plan to accommodate creditors. Major banks and finance companies nationwide recognize DCA and work with them to consolidate consumer debt. DCA offers free debt analysis at 866-FIX-A-DEBT and DebtConsolidationN.com.
Debt Consolidation of America
122 Hialeah Dr.
Hialeah, FL 33010
866-349-2-3328
debtconsolidationn.com
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