SearchExclusive.com

Top 10 debt settlement companies and their features

It is common for people to borrow and pay for their education, housing, or supplement other pressing financial requirements. However, the high-interest rate and repayment schedule often make it difficult for borrowers to manage their debt. To help pay off outstanding amounts, debt settlement companies help reduce and consolidate loans for better financial management.

Have a look at the top 10 debt settlement companies and their key features.

National Debt Relief
National Debt Relief offers the best short programs for a larger (minimum $20,000) debt payoff. It ranks highly among the top 10 debt settlement companies and is accredited by the AFCC (American Fair Credit Council). The company charges a standard 15% to 25% fee for reducing your debt by almost 50%.

Accredited Debt Relief
If you are struggling to pay off multiple creditors, American Debt Relief can help you with your outstanding debts with its unique 12 and 48-month programs. The minimum amount you can settle is $7,500 and at present, the company has active operations in only 32 states.

Freedom Debt Relief
Freedom Debt Relief is one of the top AFCC accredited choices for variable programs that cater to a large customer base. On average, you may incur a 22% charge for settling debts as low as $7500. Currently, the service is operational in 37 states.

Guardian Debt Relief
Guardian Debt Relief has both AFCC and IAPDA (International Association of Professional Debt Arbitrators) accreditation. With a minimum debt requirement of $7,500, the company charges an approximate fee of 20% for a significant 50% debt reduction of the total due.

DMB Financial
DMB Financial is another stellar IFCC and IADPA accredited debt Settlement Company that is currently operating in only 26 states. The average fee for services is set at 21.5% approximately of the total debt settled across reputed providers.

New Era Debt Solutions
In comparison to most services, New Era charges a slightly lower fee for its settlement services. Numbers vary between 14% and 23% depending on the amount of debt, with an average 51% reduction rate in the amount owed. You can avail their services in 47 states at present.

Money Management International (MMI)
MMI has been providing reliable credit card debt management and financial counseling services since its inception in 1958. The service provides assistance for managing a niche range of financial products of debt.

Cambridge Credit Counseling
Cambridge Counseling offers informative resources with good customer support to help reduce and manage your credit card debt. Their counselors claim credit card interest can be reduced to less than 10%.

Pacific Debt Relief
A dedicated case handler is assigned to evaluate your financials and draw up a suitable plan that lets you pay off the debt at a lower rate with a quick turnover. This is one of the reasons why Pacific Debt Relief is one of the top 10 debt settlement companies in the country.

Consolidated Credit Counseling
For a fixed monthly cost, dedicated advisors and counselors at Consolidated Credit help manage and reduce credit card, housing, and personal finance debt. This is a customer-friendly and more affordable alternative to the options mentioned above.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.