Debt relief companies have been around for many decades in one form or another. Since there are so many frauds out there, you should always be careful when obtaining assistance from the "experts." Sure, you might find a legitimate consumer debt relief program that charges fees, but you need to take the time to research that company and evaluate your own options to determine if it offers the right services for you.

There are numerous ways to deal with debt, including some DIY methods, but many people find themselves to be so tied up in their debts that they just want a company to help them get everything organized. If you feel that you are really behind on many payments and don't know what to do, then it makes sense to just seek help from a company that does know how to help you get back on your feet again.

If your debts mostly involve credit cards, then it should be easier to get some relief. Here are the types of debts that relief programs usually offer to consumers:

• All major credit cards (MC, Discover, Visa, AMEX, etc.)

• Department store cards (PayPal, GAP, Sears, Walmart, etc.)

• Gas cards

• Most bank loans from prior banks

• Unsecured personal loans

• Installment loans

• Bad rent (if you are no longer the resident)

• Business debts (if the business has already closed down)

• Old cell phone bills (not current)

Consumer Debt Relief Program Consultation

Not every single one of these is going to be offered by every single consumer debt relief program, and some companies might even be able to help you with more.

When getting a free consultation, the company should let you know which option(s) might be best for you. For instance, a consolidation loan is usually a good idea for those who will benefit from just paying one, single bill each month instead of dozens, even though the interest on the consolidation loan itself might not be low.

Credit counseling is almost always a good idea, since you'll have a professional who can advise you on the best way to handle your particular credit problems. If the creditors find out that you have enrolled in a counseling, management, or repayment plan, they might be willing to give you a bit of a break. However, your credit score might take a hit.

Get answers to all of your problems by getting a consultation with CuraDebt: the #1 consumer debt relief program. Get a free consultation on how much you can potentially save and what the best strategy would be for your financial situation.