Solve Your Debt Problems Now with “BBB A+ Rated” Debt Relief from CuraDebt

“Excellent company, excellent people, excellent service with CuraDebt!” – Jeremy H., Firebaugh, CA

“CuraDebt gets the job done.” – Laura C., King of Prussia, PA

“CuraDebt is the best alternative to filing for bankruptcy. I wish I had known about this service several years ago.” – Victoria C., Greenville, NC

Many people experience a financial crisis at some point in their lives. Whether the hardship was caused by overspending, a job loss, or other circumstances, it does not have to go from bad to worse.

Are you headed toward a financial crisis or in the midst of one? To find out, take this quiz. If you answer YES to any of the following questions, it is time for you to take immediate action.

1. Do you use credit cards to pay for daily living expenses such as groceries or a tank of gas?

2. Do you take a cash advance on one credit card to make the minimum monthly payment on another?

3. Do you only make the minimum monthly payments on your credit cards? Or, are you making late payments or missing payments altogether?

4. Are you receiving phone calls and letters from creditors and/or collection agencies about late or missed payments?

5. Do you worry a lot about debt or have you ever thought about filing for bankruptcy?

Remember, if you answered YES to any of the questions above, it's time for you to take immediate action.

Solve your debt problems with “BBB A+ Rated” debt relief

Take time now and a free debt consultation from CuraDebt, one of America's leading debt relief companies. Discover which debt relief option is the best for you, and find out in minutes how much money you could save.

CuraDebt's consultation form only takes one minute to complete.

10 reasons why CuraDebt unique from other debt relief companies

 

1. CuraDebt has been assisting consumers since 2000 and helps over 10,000 consumers to get out of debt each year.

2. Their debt relief program is "BBB A+ Rated."

3. CuraDebt's negotiation team has decades of experience in working with financial institutions.

4. CuraDebt assigns you to a dedicated financial counselor who ensures that your debt reduction program proceeds smoothly from start to finish.

5. CuraDebt is compliant with the Federal Trade Commission (FTC), an independent agency of the United States government.

6. The company has received numerous awards and certifications, including a best-in-class, 5-star rating from TopConsumerReviews.com.

7. CuraDebt has received 5 out of 5 stars at ShopperApproved.com. Shopper Approved is one of the largest review aggregators on the web and trusted by millions when they need to know how other people rate a product or service.

8. CuraDebt is an accredited member of the American Fair Credit Council (AFCC), the largest and oldest association of debt relief companies.

9. CuraDebt is also a member of Dun & Bradstreet, the International Association of Professional Debt Arbitrators, TASC (The Association of Settlement Companies), the NetCheck Commerce Bureau, and the Online Business Bureau.

10. CuraDebt has also received over 600 five-star client reviews at CustomerLobby.com. Customer Lobby is a third-party service that ensures that all consumer reviews are authentic and verified.

Take time now and learn what others are saying about CuraDebt.

What is debt settlement?

Debt settlement is a debt relief approach where negotiators communicate with creditors on your behalf to settle your debts to reduced and agreed-to amounts. Only unsecured debt—credit cards, medical bills, and personal loans—can be negotiated. You cannot settle mortgages, rent, utility bills, cell phone and cable charges, insurance premiums, car and student loans, alimony, child support, taxes, or criminal fines.

Take time now and find out whether debt settlement is the best debt relief option for you.

Debt settlement vs. debt consolidation

Debt consolidation takes your high-interest loans and credit cards and consolidates them into one, low-interest loan that you can afford. In other words, you're taking out one loan to pay off many others. You make one monthly payment to a debt consolidator who distributes the funds to your creditors until they are paid in full.

Unlike debt settlement, debt consolidation does not reduce the outstanding balances that you owe to creditors. It only lowers your interest rates.

Debt settlement vs. filing for bankruptcy

One of the primary reasons that people choose debt settlement is to avoid filing for bankruptcy protection. Bankruptcy is a process where you legally declare yourself unable to pay your outstanding debts. You must meet with a judge in order to establish a payment schedule or to have most or all of your debts discharged.

Five reasons why the consequences of bankruptcy can be overwhelming

1. Bankruptcy stays on your credit report for 10 years and can make it difficult to get credit, buy a home, get life insurance, or even get a job.

2. Bankruptcy doesn't come cheap. The Chicago Tribune.com reports that:

The legal fees of an experienced bankruptcy attorney can be substantial. For a Chapter 7 filing, administrative and filing fees are around $300, with additional attorney fees likely to be between $1,500 and $2,000. Total expenses for Chapter 13 will be more expensive. Most fees will have to be paid up front. In addition, according to the National Association of Consumer Bankruptcy Attorneys, there will be additional costs for requisite pre-bankruptcy credit counseling and a credit education course.

3. With bankruptcy, some of your personal property and/or real estate might be seized. LegalMatch.com points out that “If you are unable to exempt all of your personal property or real estate under the bankruptcy exemptions, some of your property may be seized by the bankruptcy court and sold to pay your creditors.”

4. Bankruptcy cannot eliminate alimony or child support obligations, criminal fines, and your most recent back taxes. Except in very limited circumstances, it cannot wipe out student loans.

5.  There are social and emotional stigmas to filing for bankruptcy. David Haynes observes that “the stigma does not affect your finances in any way. It purely relates to how people view you. So, if you are a person who is very concerned with what people think of you, the social stigma may matter greatly.”

Get debt relief now for credit cards, medical bills, and other unsecured debt

Get a free consultation now from Curadebt, and find out how much money you could save. Remember, CuraDebt's online consultation form only takes one minute to complete.

Please note that CuraDebt services are not available in Colorado, Connecticut, Georgia, Idaho, Illinois, Kansas, New Hampshire, North Dakota, South Carolina, Vermont, Washington, and West Virginia.