With the start of the recession, more and more people are having financial and economic difficulties and are therefore looking for business debt counseling. A lot of companies are turning up like business debt consolidation or business debt management companies to help consumers ease up on their liabilities. And with all the ads coming up from nowhere, these things might help you before you jump right in and get their services:* You cannot save cash on all kinds of liabilities. Debt services are commonly used on your bills such as credit card and loans. However, only unsecured loans are possible and so house or auto loans are not in these programs. * Services like these are not advisable for everyone especially if your liabilities are only less than $5,000. * There have been statistics that in the other parts of the country that they were able to save up to 89% on credit card liabilities. However, companies only guarantee 50-60% because everything will be based on your debts’ delinquency and types, where you live and your present economical situation.

The standards below are also important before taking the plunge: * BBB member at least for the past 5 years * With reputable standing in the Chamber of Commerce * Affiliate of The Association of Settlement Companies * Satisfied customers * Availability of the liabilities negotiator * A program that fits into your needs (per month) * Highly regarded and trust-worthy employees * Printed security of the whole savings * Safe website * Big quantity of investments * Have worked with Citibank * Abridged profitably of customers and tiny commerce debts * Fast finishing point * Looks after their consumer’s credit position

With all these criteria in consideration, the top three debt consolidation companies are:

* Cura Debt Cura Debt is ranked as the #1 debt management company of 2009. The company started in 1996 but only in 2000 have they offered their services countrywide. BBB also gave them the most excellent review and since people are secure with BBB’s reviews, people started turning to Cura Debt. The strategies of Cura Debt provide you a lot of savings. For instance, they resolve their liabilities in bulk and are able to get more savings with that. They are also able to do this because they have already built a highly-commended reputation throughout the years. They are also based on commission which is a guarantee that they have the consumer’s best interest at hand. In conclusion, they have the biggest savings and they have a fast service for anyone to get started. The debt counselors are also straight to the point and they do carry a highly-reputable name.

* Debt Options Debt Options is located in Fort Lauderdale and a BBB affiliate since 2005. They offer debt merge and arrangement. They also have top notch service towards their consumers and have developed a following clientele. However, they are a little bit pricier than the others.

* Superior Debt Relief Superior Debt Relief is located in Fort Collins and is also a BBB affiliate. The company is able to live up to its profile of helping people manage their debts and save money. They are also an affiliate to a number of buyer groups.

To end this, the company you will choose will still be the one that can work around your needs. Do not be fooled by companies who are simply incompetent and would lead you into further worst financial condition.