Are you in over your head in credit card debt? It happens all the time to many, many people. This is why there are some debt management/relief/counseling programs available to help people better manage their situation. Creditors themselves are often more willing to negotiate and be more lenient with those who join a credit card debt relief program.

You can always try bankruptcy, but that will leave your credit reports virtually unsalvageable for 5 years or more. It may not be too late to come to an agreement that makes it easier for you to pay off your current debts.

Unfortunately, not all debt management/relief programs are helpful. Some are outright scams. One thing you should always look for is a free savings estimate. Any potential fees should come later. It is also good that the company does not charge fees for counseling sessions. If you qualify for some type of “Performance-Based Debt Settlement Program,” the fees you might be responsible for should only be collected as your debts are settled. In other words, look for a credit card debt relief company that only charges performance fees AFTER your free consultation.

The ideal company will also be upfront and honest about what they can and cannot help you with. If you only need credit card debt relief, there should be no problem. However, there are some debts you will always be responsible for, such as judgments, government/auto/student loans, utility bills, home loans, and other secured debts. In some states, there may be tax debt relief solutions and in others there may not be, depending on the laws.

Credit Card Debt Relief Company Memberships

Pay close attention to a particular debt relief company’s memberships and certifications. It is a good sign if a company is certified by the IAPDA (International Association of Professional Debt Arbitrators) and is a member of the US Chamber of Commerce.

As with any business in any industry, take the time to check the qualifications of the Online Business Bureau. You obviously want to work with an organization in “good standing.” Read reviews from other people who have also used online credit card debt relief programs. The number of years that a debt relief company has been in business is also an important criteria. The best ones have been around for at least 20 years.

There is a company that meets all the requirements mentioned above, and that is CuraDebt. Their services are available in many states and you can easily get a free consultation on how the company can help you with credit card debt relief.