Best Debt Settlement Company

Cura Debt is a company which specializes in debt settlement and and debt consolidation. The difference between the two is debt settlement is when you call your creditors and negotiate a lower balance on your outstanding debts. Debt consolidation is where a company pays off your debts and includes them into one new loan. Doing so will free up money for you from month to month and help lower your interest rates. The two are closely related.

Cura Debt has been in business since 1996 and is located in California. They say that a number of the directors have been involved in the business for over 25 years and hold a number of licenses which give them leverage when negotiating debts on your behalf. Cura Debt holds a outstanding rating with the Better Business Bureau and has been a member with them since 2000.

The goal of Cura Debt is to be able to help their clients avoid bankruptcy at all cost. They claim to manage over $100 Million of their clients debts and counsel over 10,000 families a year. With such a large portfolio of clients and a large amount of finance involved with the company its easy to see why they are a leader in what they do.

To get the process started with Cura Debt you only need to fill out a quick form and they will contact you within 24 hours. They offer a free consultation to individuals and businesses to see what they can do for you. If they can find a solution that works for you they charge a fee based on the size of your debts that you are looking to pay off.

Cura Debt deals with not only individuals but businesses as well. Whether you are a individual or a business they are working to help you get on the right track and to help clean up your credit history. They have a team of lawyers working for you to reduce the amount of debts you are on the hook for. Once you become a client they will start to write up a negotiation letter on your behalf to your creditors asking for a settlement.

Do be aware that when you do any kind of counseling it does go on your credit report. This can lead to a drop in your credit scores and can make it hard to get approved on a new mortgage for example. If you do not plan on buying or refinancing a home within a couple years after you have the debts paid off then the debt negotiation route will work for you. In most cases, going the debt consolidation route is the easiest. It goes on your credit report as a personal loan and will get you on track to improving your credit scores. Cura Debt can help you negotiate these debts for you and has lenders on site to work up a payment plan with low interest rates.

National Tax Relief is a company that specializes in settling debts with the IRS. All of their focus is on helping you pay back only what you owe to the U.S Government. They do not deal with other kinds of debts, only back taxes.

Some of the services they claim to be experts in are writing “Offers in Compromise.” What National Tax Relief does is contact the IRS on your behalf and writes up an agreement stating that you are going to pay for a certain amount of your debts. The IRS usually accepts this because they do not want to spend a lot of time and resources (tax payer dollars) trying to track down people who cannot pay. By accepting a “Offer in Compromise” you agree to pay the debt in full over the next 6 years and continue to pay what you will owe in the future. They will permanently forgive the outstanding debts agreed with in the contract. The process can take up to 9 months to complete but if it is accepted you will be rid of any back federal taxes and liens on your credit report.

National Tax Relief can also help you file back tax returns. After completing all of your letters with the IRS you will need to redo your old tax returns to show that you are in good standing with the IRS. National Tax Relief can help you do this. They offer a free 15 minute consultation period to see what they can do for you.

After completing your tax returns and your Offer In Compromise, National Tax Relief will work with you to set up a payment plan with the IRS. Most people cannot make a lump sum payment to clear up their past debts. This will help you to be able to still continue living your life while paying back your debts.

National Tax Relief only deals with individuals or business owners who owe more than $7,500. The reason they do this is because their fees typically are higher than $200 and with the amount of time it takes to work with the IRS it does not come cost effective for National Tax Relief to take you as a client.

They have clients from all types of backgrounds. Some of their clients are small business owners, Doctors, Lawyers, Janitors, etc. National Tax Relief is not a typical debt settlement company in that they only deal with taxes but they will be able to help you out if you fall into that category.

Cash Net USA is a company who deals with people who have less than perfect credit. Cash Net USA will help people who need to get cash fast. This is perfect for people who need money for car repairs, medical expenses, or any other financial emergency.

Some of the benefits of working with Cash Net USA is that you will be able to get up to $550 in cash in your checking account the very next day if you get approved. It does depend on what state you live in most cases. If you are a returning customer you can ask for up to $1550 as long as you are current with your current loans.

To get approved on a loan with Cash Net USA is pretty easy. All you need is a checking account, been employed for a month, must be a US citizen, and be at least 18 years of age.

To pay a loan back with Cash Net USA you can choose from a couple options. You can pay in full, extend the payment, or make a partial payment. In every case you have to pay interest, fees, and principal. Most loans have to be paid back within 8 to 31 days or your next payday.

The rates and terms of the loan vary by state but here are some general guidelines. You will pay a non-refundable $.45 fee and $15 for every $100 you borrow. So for $500 you will be charged $77.25.

Cash Net USA is not a normal debt settlement company but is more along the lines of a payday loan company. Still, if you need to consolidate some debt or get some quick cash, Cash Net USA might be a avenue for you.