One of the most important decisions you make regarding your financial future is the credit card consolidation company you choose. It would be nice if just one company offering their services and those business customers have everything they need. The fact of the matter is that it does not exist. Instead we have a market where there are a few debt companies and some of them are much better than others. What you must understand that working with a reputable company to save money on long distance, especially when you look at the interest rate you will be able to deploy the process.

To benefit from these reputable companies, you can identify. What is a reputable company like? Really, this is a question you must answer by Dedicated Research. The right company for one person may not be the right company for the next. This is because the individual nature of the debt, so if you eventually want a better situation, ensures that the company is able to your own needs.

The best companies are those in a range of different customers. You want to make sure that you work with people who have seen it all, or at least people who have seen most situations. It takes a lot better, because you sleep easy knowing that they control. If your situation is something new to the consolidation company, it may be difficult to assess whether they can effectively handle.

Fortunately for the consumer in the world today, did not you just ask about these things? You can find information about the various companies on the internet and if you drive to do this, you can contact them. In some cases this can save you thousands of dollars.

Many debt consolidation companies are in hot water these days. They are used by many prosecutors, the FTC and the IRS examines their alleged non-profit status. We recommend against doing business with a debt consolidation company, but if you really feel you want your credit and money you do not, check it out with your local Consumer Protection Agency and the Better Business Bureau in the place of business.

Several debt management companies are also touting the fact that A + ratings with the Better Business Bureau. Most people do not go the extra mile when they are taken by one company, instead of just grumbling. We have identified the following companies as business debt management, and the fact that they are debt management companies, we recommend against them.

Here are Reputable Credit Card Debt Consolidation Companies from the Consumer Federation of America.

• 1st Federal Consolidation
• 1 Stop Debt Consolidation
• 4A Debt Consolidation
• 800CreditCardDebt.com
• A1 Debt Consolidation
• AIM Debt Consolidation
• Allied Debt Consolidation
• Amalgamated Credit Counselors
• Amansco Credit Services
• American Debt Consolidation – Epinions rating
• Amerix  – read the opinion of someone who worked there.
• Oh and FYI, this company started by the founder of Genus.
• Budget Planning Services
• Cambridge Credit
• Consolidated Client Services
• Christian Debt Consolidation (or a Christian in name with. I mean really – Scummy you how to play the religion card?)
• Credit Counselors
• Credit Solutions of America (They have a good BBB rating.) We also got a nasty gram letter from them threatening legal action if we are not to remove their names from this list.
• Credit Solutions Phoenix
• DebtConsolidation.com
• Debt Consolidation Alliance
• Debt Consolidation Online
• Debticated (American for-profit company’s debt division)
• Debt Management Credit Counseling Corp – click this link to the info we have them.
• Debt Management Enterprises
• Debt Management
• Debt Cape (formerly Neway, also Ameri Debt)
• Debt Solutions USA – they were not on this list until the owner approached me and asked to be taken from the list, and I did research on them. They are located in Florida (one of the two non-regulated countries in this area – danger) and have 3 complaints against them with the BBB was (according to the owner), but they were resolved. Their BBB rating is good, though. See my comment above about resolved BBB complaints. Also known as www.No2Debt.com (see list below)
• Debt Network Specialist
• Debt Zappers
• Delray Credit Counseling
• Financial Freedom Southwest
• Freedom Debt Relief – BBB reports satisfactory listing, but complaints about this company are deposited with them, though the BBB says they were satisfactorily resolved. Other comments: This is a new company and has an alias, (Freedom Financial Network, LLC). We got a nasty gram letter from them threatening legal action if we are not to remove their names from this list.
• Fresh Start America
• Gender – Read about them in Business Week.
• Gibson Trust
• HomelandFinancial.net – we received a letter from a reader who was deceived by home state Financial and others wanted to warn these guys. They operate under: www.befinancialservices.com and www.prosperfinancial.net
• IDebtAssitance.com
• Integrated Credit Solutions
• Jabez Financial Group Inc.
• Jubilee Financial Services Inc.
• Lighthouse Credit Foundation
• National Consumer Resource Center
• National Debt Network
• Neway – Actually, this American debt masquerading under a different name – their sites are identical
• Norstar Consolidation
• No2Debt.com (aka Debt Solutions USA, see above)
• Paramount World Inc. Debt Consolidation Services
• Union Financial Services

Several debt consolidation companies have told their customers that if their names were not on this list, a stamp of approval. Want a list of companies with whom we have received positive comments? I would avoid one of the listed companies or any other company that seem to be. Why? Run, not walk away from them. Why is non-profit a convenient masquerade? Business Week has an article on debt management companies on October 29, 2001, and found many nasty details about how non-profits would be very profitable. Ameri Debt targeted 2.2 million U.S. dollars U.S. dollars of business-to-for-profit activities in the hands of officers of the U.S. debt.

One last comment, because the states of Florida and Maryland do not regulate this form of customer service, look out for any company doing business in these countries. Before you do business with a company, check it out with your local Consumer Protection Agency and the Better Business Bureau in the place of business.