If you are one of the millions of people who owe thousands of dollars to debtors, you are undoubtedly looking for the best debt relief programs. There are many programs and organizations that claim to offer some type of relief, but many of them are scams. How do you know which one you can trust? How can you successfully alleviate debt?

One of the most important things to look for is a company that gives you a free consultation. You should never be expected to pay money up front for anything. There should be a toll-free 1-800 number for you to call or a form to fill out to request information on services and possible solutions to your debt problem.

Another important consideration is experience at the national level. Look beyond a statewide organization, as some of your debts are probably not unique to your state, and each state has its own laws. It is ideal to stay with a company that has been offering debt relief and negotiation assistance for at least 15 years.

You must be assured that your debt is not 100% your fault. The best debt relief programs will help you understand how unfair some lenders can be. Credit card companies and lenders make it easy to open a line of credit, but make it difficult for you to pay it off. You fall behind a bit and the interest rate will go up so much that the next thing you know is that you owe tons of money and you have no idea how to start catching up.

Experience to look for in the best debt relief programs

Make sure the company you choose has experience in negotiating the types of debt you owe. For some, they are business debts. Medical and hospital bills can also be very expensive, especially for those who do not have good health insurance. IRS debts and back taxes can be incredibly frustrating. Before selecting a debt relief service, ask if they have experience dealing with your situation.

Unfortunately, there are some situations where even the best debt relief programs cannot help you, namely certain types of lawsuits, government loans, student loans, home loans, secured debts, etc. If you are involved in a lawsuit and think yours might be a “special case,” be sure to check it out at your free consultation.

Keep in mind that debt relief is something that takes time. Any company that promises a “miracle” should not be trusted. Do your research carefully before deciding on the best debt relief programs. One particular company that has a good reputation and has been around since 2000 is CuraDebt. In addition to the free consultation, there are some occasional special coupon offers from CuraDebt.