Anyone use Curadebt? (credit card, payment, company, interest)

[billyboy10]

Debt consolidation versus debt negotiation are two options that are available to you if you need debt assistance. When your monthly bills become too much for you to handle, it makes sense to use debt consolidation or debt negotiation for solving debt and credit problems.
Debt Consolidation
Debt consolidation services have prearranged debt repayment plans with most credit card and collection companies. When you sign up with a debt consolidation company you are offered a lower overall monthly payment based on a lower interest rate they have arranged with the creditor.
This payment is lower than what the credit card companies offer you, saves you money every month and is often the best way to consolidate debt.
One benefit of a debt consolidation repayment plan is it will stop you from getting harassed by your creditors as long as you make the new, lower monthly payments.
The downside of the debt consolidation repayment plan is that you have to cancel all credit cards that you include in the plan. You are also charged your first payment you make toward the program and an additional monthly administration fee. This administration fee ranges from flat fees of $10-$50, while others charge a $5 fee for each creditor. That means you'll pay about $30 a month that doesn't go to paying off your debts.
The debt consolidation program benefits you if you have high interest rates or have higher credit card bills than you can manage. Some people like to make only one payment to one company for all of their debts.
Debt Negotiation
Debt negotiation is sometimes referred to as debt settlement. This is most often offered to people who can't handle a debt consolidation program. If you can't make the minimum payments of a debt consolidation repayment plan or haven't made payments in the past 3 months, a debt negotiation program is the next step for solving debt and credit problems.
One benefit of a debt negotiation program is you stop making payments to your creditors. The debt negotiation company either takes monthly payments from you and keeps it in an account, or lets you keep the money in your own account.
While you are making these monthly payments to the debt negotiation company, they negotiate with your creditors for a lower payoff of around 40-50% of your total amount of debt. Once the negotiated settlement is agreed upon with your creditors, the debt negotiation company makes a one time payment to them.
A downside of the debt negotiation program is it lowers your credit score for as long as you are in the program. However, most debt negotiation companies require the creditor make the credit report show paid in full so it doesn't show up as a negative on your report once your account is settled.
Some debt negotiation companies include a credit repair service that will remove the negative items caused by the debt negotiation program. You pay for this service as part of their program.
Now that you have an idea what debt consolidation versus debt negotiation is choose which one will work best for solving debt and credit problems for you.
Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

[desertsun41]

Wow 2 spammers in a row on a post so old it is growing hairs.

Billy that is the longest cut and paste of useless junk I ever seen.

Everyone !!!
NOW HEAR THIS:

There is no such thing as a company who can repair your credit. Only you can and that takes time and effort.

Credit repair is the biggest scam since global warming, envelope stuffers and mystery shoppers.

[billyboy10]

Hope this can help. I don't know much about this stuff but I love to give my opinion like everyone else, but I found this in ezinearticles too - always wanting to help y'all


Debt consolidation versus debt negotiation are two options that are available to you if you need debt assistance. When your monthly bills become too much for you to handle, it makes sense to use debt consolidation or debt negotiation for solving debt and credit problems.
Debt Consolidation
Debt consolidation services have prearranged debt repayment plans with most credit card and collection companies. When you sign up with a debt consolidation company you are offered a lower overall monthly payment based on a lower interest rate they have arranged with the creditor.
This payment is lower than what the credit card companies offer you, saves you money every month and is often the best way to consolidate debt.
One benefit of a debt consolidation repayment plan is it will stop you from getting harassed by your creditors as long as you make the new, lower monthly payments.
The downside of the debt consolidation repayment plan is that you have to cancel all credit cards that you include in the plan. You are also charged your first payment you make toward the program and an additional monthly administration fee. This administration fee ranges from flat fees of $10-$50, while others charge a $5 fee for each creditor. That means you'll pay about $30 a month that doesn't go to paying off your debts.
The debt consolidation program benefits you if you have high interest rates or have higher credit card bills than you can manage. Some people like to make only one payment to one company for all of their debts.
Debt Negotiation
Debt negotiation is sometimes referred to as debt settlement. This is most often offered to people who can't handle a debt consolidation program. If you can't make the minimum payments of a debt consolidation repayment plan or haven't made payments in the past 3 months, a debt negotiation program is the next step for solving debt and credit problems.
One benefit of a debt negotiation program is you stop making payments to your creditors. The debt negotiation company either takes monthly payments from you and keeps it in an account, or lets you keep the money in your own account.
While you are making these monthly payments to the debt negotiation company, they negotiate with your creditors for a lower payoff of around 40-50% of your total amount of debt. Once the negotiated settlement is agreed upon with your creditors, the debt negotiation company makes a one time payment to them.
A downside of the debt negotiation program is it lowers your credit score for as long as you are in the program. However, most debt negotiation companies require the creditor make the credit report show paid in full so it doesn't show up as a negative on your report once your account is settled.
Some debt negotiation companies include a credit repair service that will remove the negative items caused by the debt negotiation program. You pay for this service as part of their program.
Now that you have an idea what debt consolidation versus debt negotiation is choose which one will work best for solving debt and credit problems for you.
Copyright © 2005 Credit Repair Facts.com All Rights Reserved.

[elsapo]

billyboy10,

Curadebt is a member of TASC and the BBB. Their call center is in Colombia, and their negotiators are not IAPDA certified. they charge a retainer fee up front and charge a commission fee, they do not offer bankruptcy assistance, also their principal owner was once affiliated with James Lombardo Of American Liberty financial and Sifxpert, yet this company enjoys a fairly good reputation. There is really no way to keep a tab on these companies, trust me, I know. How then are all these controls any good?

[jessica1393]

if you need assitance with debt consolidation for any unsecured lines of credit , credit card debt or collection accounts you can contact me. current or behind i offer both programs debt managment and debt settlement. i work for The achievable. we have a BBB rating B go to the orlando florida BBB. call me for help my name is Jessica i am a certified debt arbitrator my phone number is 866-243-2954 X1393.

[elsapo]

people before contacting jessica1393 please read the following:

http://800notes.com/Phone.aspx/1-866-243-2954
http://800notes.com/AreaCode.aspx/1-866/3
http://phoneowner.info/Number.aspx/8662432954
http://whocallsme.com/Phone-Number.aspx/8662432954

[elsapo]

The following just in about curadebt from another site:

XXXX XXXX
to Customer, me

show details 11/27/06


Reply

XXX,

I checked and this client is still active under Irvine clients. If you deactivate him, he will get no more updates to update his funds.

Thank you,
XXXX

On 11/27/06, Customer Service <admin> wrote:


Hello XXX,

I hope you are doing fine.

This is the very rude e-mail XXX XXXX sent. I found him on Irvine's client list. Hence, the e-mail to XXXX.

I Just removed his e-mail address. Hopefully it will work.

XXXX.



> Dear XXXX,
>
> are you fu***** retarded? i have told you a
> thousand times that i no longer want to be a curadebt
> customer. i have records of every email i have sent
> you telling you this, and even one or two of your
> acknowledging that you have received my termination
> request. and yet you still insist on emailing me
> asking me to update my status.
>
> i basically think that your company is little more
> than a scam. this is the last time i will send you an
> email telling you to stop. the next time i receive an
> email, i will come to your office, andrea, and speak
> to you in person. am i making myself clear?
>
> -XXX XXX

Best Regards,

XXX XXXX.


CuraDebt
12707 High Bluff Drive Suite 200
San Diego, CA 92130
Tel877) 852-7517
Fax: (619) 839-3823

[elsapo]

More information on The Achievable the company jessica1393 is promoting, true they have a B+ BBB rating but the business is not accredited by the BBB, what gives?

BBB of Central Florida: BBB Reliability Report

[maggie01]

I do not see the problem with these companies giving job opportunities to people from the Philippines, India or Colombia. All I care about is that if I sign up with any of these companies they really help me settle my debt. No one should care if their debt counselor is from India, the Philippines, Colombian or America. The important thing is that they provide you with legit information in regards to their program and how they will get you out of debt and that they are able to address all your needs.

[maggie01]

I do not see the problem with these companies giving job opportunities to people from the Philipines, India or Colombia. All I care about is that if I sign up with any of these companies they really help me settle my debt. No one should care if their debt counselor is from India, the philipines, Colombian or America. The important thing is that they provide you with legit information in regards to their program and how they will get you out of debt and that they are able to address all your needs.