Best Debt Companys

163 Companies 5,407 Real Customer Reviews

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Posted By:  |  April 19, 2016

It seems inconceivable that something as innocent as a lemonade stand could rouse the interest of the IRS. Believe it or not, though, there are a number of entrepreneurial activities […]

Posted By:  |  April 5, 2016

There are a number of reasons why you might have skipped filing a tax return. Perhaps you were traveling for work, experiencing a family hardship or maybe you just forgot. […]

Posted By:  |  March 30, 2016

You probably have every intention to file and pay your taxes well before the deadline each tax season. Sometimes, though, things don’t work out that way. So what do you […]

Posted By:  |  March 28, 2016

Any time you’re handling sensitive personal or financial documents, double-checking your work is always a good idea. When you’re preparing your taxes, taking a second look at everything should simply […]

Posted By:  |  March 6, 2016

Regardless of your opinion of the annual tax filing ritual, one thing is certain: you want it to be as painless as possible. When you begin examining your filing options, […]

Posted By:  |  March 4, 2016

  It can seem like a harrowing proposition to face IRS collection action. Notices in the mail, requesting immediate payment for a delinquent tax bill, can be inherently unnerving – […]

Posted By:  |  March 4, 2016

  If you’re expecting a refund this tax season, you may already have a very good idea of how you’re going to spend it. Before you make any definitive plans […]

Posted By:  |  January 20, 2016

There are ample schemes designed to strip you of your identity or your money, which are perpetrated throughout the year. And while staying alert year-round can be critical to protecting […]

Posted By:  |  January 12, 2016

Any time you’re tackling an important responsibility, making a checklist can be essential to ensuring no important detail gets overlooked. When you’re talking about preparing your taxes, drafting a to-do […]

Posted By:  |  January 5, 2016

If you’re like so many Americans, living paycheck to paycheck, scraping together cash for those little extras can be tricky. When you receive an IRS notice regarding a sudden tax […]


  • How important is it to you for a debt consolidation company to offer financial education resources?
  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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