Reviews of the best debt relief programs

If you are struggling under a mountain of credit card or other unsecured debt and are looking for professional debt advice, it could be very confusing for you to decide where to turn. There are so many debt relief programs available online and via unlimited advertisements that make it your decision to choose a reputable company, a difficult one. But there are a few questions to ask to make you are getting help from the best debt relief programs available. For example:

What type of solution does the company offer?

Does the company only offer one debt solution? Or is it well versed in many different options? Having several choices means they can find the right debt relief program that suits your specific needs.

How does the company get paid?

The best ones will earn their money from a percentage of what they save you, and will not charge upfront fees.

Is the company dependable?

Is this a company you can trust? How long has the company been in business? Are they affiliated with the Better Business Bureau (BBB)?

This page will review the best debt relief programs available today. We hope they will help make your search for the right company a bit easier.

Top Debt Relief Programs


CuraDebt is a leading consumer debt company in the United States specializing in providing financial solutions for unsecured or tax debts totaling $10,000 or more. They provide financial advice to both individuals and small businesses for the following debts:

  • Credit Cards
  • Loans and Lines of Credit
  • Medical Bills
  • Collections and Repossessions
  • Business Debts
  • Certain Secured Debts
  • IRS Debt and Back Taxes

I found out about this company in 2010 while responding to an IRS audit showing I owed a lot of money in back taxes. But I could not make use of their services because I had already retained a tax lawyer to deal with the IRS on my behalf. Curadebt has been in business since 2000, making it one of the oldest and most experienced in the consumer debt relief industry. It is ranked number one as a consumer debt relief company by the Consumer Watchdog and review site.

How to use the services

Curadebt offers a free, confidential consultation designed to assess your financial situation, as well as your goals. To use this service, you will need to enter your personal details on their secure site so that they can complete the assessment. You will then be put in touch with the right staff to devise a suitable plan for you.


The company puts out a monthly newsletter with information on financial planning, debt management, budgeting and other important finance-related issues. It focuses solely on getting the consumer out of debt, and once debt free, they are referred to a reputable company for free credit repair.


The company has an ‘A+’ rating with the Better Business Bureau. They have accreditation from several well-known and highly respected organizations including the American Fair Credit Council (AFCC), the protector of consumer rights for the debt settlement industry, the Online Business Bureau, as well as Dunn & Bradstreet and the Netcheck Commerce Bureau. It has also developed a sound reputation over the years based on the hundreds of positive reviews on independent review websites from satisfied customers.


CuraDebt offers a flexible payment schedule based on the laws of your state, as well as the amount of debt owed. There is no enrollment fee and no hidden fees.


The company has a very experienced staff in creditor negotiations, settlement, and arbitrations services. The founders of Curadebt have been in business since 1966 providing these services to individuals and small businesses in Irvine, California. They expanded nationally in 2000 forming Curadebt and had successfully helped thousands of people with their debt issues.


The only drawback about Curadebt is that its services are not available to residents of the following states: CO, CT, GA, IA, ID, IL, KS, ND, NH, SC, VT, WA, WI, & WV.

If you have unsecured debt or tax debt totaling $10,000 or more, Curadebt is a terrific choice. They are experts in a wide variety of debt relief options and can provide you with a comprehensive solution, which meet your needs.

best debt relief programs

 American Debt Enders

American Debt Enders is a full-service Debt Consolidation and Debt Settlement company, ranked 6th nationally, on the list of Best Debt Relief Programs available today, by Top Consumer Reviews a consumer product review website. The company’s goal is to help you achieve debt freedom by designing a program suitable for your situation and keep you out of debt through financial education. This review of American Debt Enders is to assist you in selecting the right debt relief company to suit your needs.

The company has been in business since 2006 and has developed a good reputation within the industry, having never had a valid complaint filed against it. Netcheck Commerce Bureau, a public company, providing consumers with information about internet companies, has no unresolved complaints listed against it.

Product Description

American Debt Enders offers free, no obligation, credit counseling by phone to determine if you qualify for their services and to find the best way to help you. They offer a full range of Debt Relief Services including Credit Card Debt Consolidation, Debt Settlement, Credit Restoration, Credit Counseling, and Bankruptcy.

Credit Card Debt Consolidation

The credit card consolidation program is designed to help individuals with more $5,000 in credit card debt with high-interest rates. The program allows you to make only one monthly payment at reduced interest rates so you can have the debt paid off in 5 years.

Debt Settlements

The Debt Settlement Program is designed to help people who have fallen seriously behind but want to avoid bankruptcy. The program allows you to settle your unsecured debts for less than what you owe, by making affordable monthly payments. You would need at least $10,000 in unsecured debt to qualify for this program.

Credit Restoration

The credit restoration program is designed to repair your credit by removing or correcting the inaccuracies on tour credit report. This service is from one of their affiliates, United Credit Educations Services.


  • The company’s debt management programs are designed to help clients pay down unsecured debt in five years or less. It has developed relationships with many of the lenders holding the debt, which enables the company to negotiate lower rates for clients.
  • The company has a special department that deals exclusively with Student Loan Debt. It can provide assistance to help you restructure the debt as well as finding others ways to reduce it.
  • You can qualify for their services with as little as $5,000 in unsecured debt while most debt relief companies require a minimum debt amount of $10,000.
  • The company continues to work with its clients even after the restoration or consolidation process is complete because they understand how difficult it is to recover financially and get back on the right track. The counselors will come up with workable household budgets for their clients while continuing to provide any financial advice necessary.


  • The company is only ten years old and continues to grow at a rapid pace. As a result, not all of their counselors are experts. If you end up talking to a new debt consultant, make sure he consults with someone more experienced before you agree to anything.
  • If you work out a debt consolidation program with American Debt Enders, you will not be able to select any lender you want since the program will be with one of their partners.


There is no charge for their over-the-phone consultation to see if you qualify for their services. But they base the fees for their services on the amount of debt and type of program you select.


The company’s track record shows that American Debt Enders is a debt relief company that consumers can trust. They educate the consumer and identifies viable solutions to assist those that have accumulated too much debt. If you have credit card debt totaling $5,000 or more, if you have student loan repayments that you can’t afford because they are too high, and you want to have a chance to speak to a financial expert free of charge, Contact American Debt Enders for a free phone consultation.

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