BestDebtConsolidationLoans.org recently did a study of the debt consolidation providers available to residents of the Sacramento-Stockton-Modesto area and has announced that the top three are National Debt Relief, CuraDebt and Consolidated Credit.
“We saw that unemployment in this area is still at 7% and that credit card debt totaled more than $344 million, which was up nearly 6.5% from the third quarter of 2012, noted BestDebtConsolidationLoans.org spokesman Michael Smith. “We also saw that 52% of California’s students are required to borrow money in order to finance their educations and that last year, students graduated owing an average of $20,269. These statistics inspired us to do a study of the debt consolidation providers available to residents of the Sacramento area. What we learned is that National Debt Relief is the top provider.”
In evaluating debt consolidation companies,BestDebtConsolidationLoans.org used six criteria – their fees, customer services, customer satisfaction, business ethics, financial standing and debt solutions offered. National Debt Relief ranked number one in almost all of these criteria, especially business ethics. The reason for this is that National Debt Relief charges no upfront or maintenance fees and, in fact, charges its customers nothing until it has satisfactorily settled their debts and provided them with a debt consolidation plan they approved.
“We also ranked National Debt Relief highly because it has a very liberal cancellation policy. If at any time a customer becomes dissatisfied, she or he can cancel out and will not be charged anything,” said Smith.
National Debt Relief has only been in business for seven years but in that period of time has helped more than 100,000 families and individuals achieve debt relief through debt consolidation. It has continually maintained an A rating with the Better Business Bureau and the majority of its customers have said that they were “very satisfied” with National Debt Relief’s services.
BestDebtConsolidationLoans.org ranked CuraDebt as the second best debt consolidation provider for residents of the Sacramento-Stockton-Modesto area. In announcing this, Smith said, “We gave CuraDebt a high score due to the fact that its debt counselors are knowledgeable and experienced and that they have excellent working relationships with the credit card companies.CuraDebt has been in business for 13 years and can help not just with credit card debts but also with student debts, defaulted loans and tax debts. It offers prospective customers a free debt analysis and savings estimate, so they have a good idea of what to expect from CuraDebt before being required to sign a contract.”
The analysts at BestDebtConsolidationLoans.org ranked Consolidated Credit as third best bad credit debt consolidation program in Sacramento. The reason for this is that it primarily does consumer credit counseling but is also able to offer debt consolidation in the form of a debt management plan. This is where one ofConsolidated Credit’s certified counselors analyzes the customer’s income, debts, budget and credit score to determine what payments the person can actually afford to make. The counselor then contacts each of the customer’s lenders to determine if it would be willing to accept that payment. If all of them agree, the customer will then no longer be required to pay them but will send one check a month to Consolidated Credit.
Residents of the Sacramento-Stockton-Modesto area that are struggling with their debts and looking for help should definitely go to the website www.BestDebtConsolidationLoans.org for more information on debt consolidation and National Debt Relief, CuraDebt and Consolidated Credit.