- Free Consultation
- Debt Relief Options
- About Us
Tax Debts? Click Here
Struggling to pay back your debts? We have counselled over 20,000 people since 2000. There are legal debt relief options available.
The solution is often faster, easier and saves a lot more money than what you may be doing now.
Having debt is stressful. One starts to lose sleep and feel pressured. Normal activities don’t feel as enjoyable. But when you have a solution for the debts and know they are being handled properly for a resolution you can afford, you immediately feel light, happy, and stress free so you can live your life.
You can join the numerous people we have helped since 2000 nationwide to feel the relief from having a solution for their debts.
Are you falling delinquent? If so, your credit is already being affected and you like most people likely do not want to file bankruptcy. It’s time for damage control and our program is designed so you can have immediate stress relief where we take over and reach resolutions as quickly as possible with your creditors for the greatest savings to you.
You may be like many clients who don’t want to use credit cards again. But in the case you do, we are the only company in the industry that pays up to 12 months of credit restoration depending on the debt amount (speak with your counselor) when you complete the program.
Past clients tell us that the immediate feeling of having a light at the end of the tunnel lowered their blood pressure and allowed them to enjoy the rest of the day like they had not for a very long time.
Are you paying minimum payments but not seeing the balances decline? Most clients come to us talking about how they have paid back the balances several times over and they just don’t see themselves being able to pay off the balance in their lifetime. They want a life again with cash in the bank and where THEY control where their money goes each month.
For example, with $20,000 in debt, at 18%, paying $400 per month, it would take 749 months or 62 years to pay off the balance. $78,394 would be paid back over that time. However when you work with us, in most cases you are able to free up some money monthly so that you can live more comfortably while still resolving your debts in a fraction of the time it would take paying minimum payments.
If credit is a concern to you, when you finish the program, depending on your debt amount and number of applicants on your application, we pay for up to 12 months of credit restoration for you.
You may have tried making minimum payments and know that the balances do not go down. If your accounts are falling delinquent, doing nothing definitely is not a solution. You need a professional firm to handle the creditors and resolve your debts for you.
Bankruptcy is an option. However, If you earn past a certain amount, you may not be allowed to file bankruptcy. Filing bankruptcy may mean that you allow a court nomitated person the permission to tell you where and what you can spend your money on.You will always have a ‘filed for bankruptcy’ status on your credit record. Most people who have filed bankruptcy report that they never want to do it again as the stress and emotional consequences were absolutely devastating.
Many people have tried doing it themselves. They come to us reporting that it was too difficult and stressful for them. We have over 14 years of experience, the skills and knowledge and have the benefit of attorneys that are available to us if needed to assist with the debt resolution. Also, once you have used our debt relief service, creditors will not come after you at a later date (as often happens when people do it themselves).
Debt consolidation loans are promoted as a great solution, but in most cases are the worst thing you can do. You could potentially lose your home if you are unable to make payments towards a secured debt consolidation loan. If you are struggling to make the minimum payments on your debt right now (or already falling behind), then your credit score is already falling and lenders may not give you an unsecured consolidation loan.
In the past consumer credit counseling, also referred to as debt management, was a viable option. However, creditor concessions or interest rate reductions are not common practice today. These changes may result in you paying back the debt amount plus interest plus a debt management fee. Also, in many cases, credit counseling or debt management programs take longer to clear your debt as compared to a debt settlement program.
Debt settlement is the program that CuraDebt provides for individuals or small business owners with unsecured debts. Unsecured debts are credit cards, personal loans, some payday loans, some credit unions, repossessed cars and other debts that are not tied to collateral. For example, your home mortgage is tied to your home and your car loan is tied to the car you are driving. We negotiate with the creditors as money is available to resolve your accounts as quickly and efficiently as possible.
If you have tax debts, we also offer tax debt solutions of payment plans, offers in compromise, innocent spousal relief, back tax preparation and other solutions for tax debts. If you do have tax issues, it is very important to take action now before garnishments or a revenue officer is assigned to your account.
When looking for a company to help you get out of debt, be sure they have the necessary accreditations that indicate that they are reputable, trustworthy and are regulated by associations like the Better Business Bureau, the American Fair Credit Council and the International Association of Professional Debt Arbitrators.
The awards and certifications shown below indicate that we have the experience, resources and that we adhere to a strong code of conduct and is regulated by the proper authorities. See some of our awards and certifications below:
CuraDebt is “A+” Rated with Better Business Bureau (BBB). The BBB is a nonprofit organization focused on creating trust in the marketplace serving as an intermediary between consumers and businesses.
CuraDebt has been rated as the #1 rated debt relief company by the Consumer watchdog and review site, Top Consumer Reviews for 2009, 2010, 2011, 2012, and 2013 and tied for #1 in 2014. No other company has been in the top 2 for this period of time.
CuraDebt has received more Five Star reviews with testimonials in Customer Lobby than any other debt relief company.
Customer reviews are the best way to help you make a good decision.
Customer Lobby is a web service proactively inviting end-customers for reviews and will verify their authenticity before publishing. Their reviews are authentic.
They are leaders among customer reviews companies that conduct call-based reviews as a component of its service.
Read some testimonials to learn what others are saying about CuraDebt.
ShopperApproved is one of the largest review agregators on the web and trusted by millions when they need to know how other people rate a product or service.
Curadebt is proud to have a 5 star average with ShopperApproved which shows how happy our clients are with our service.
CuraDebt is a member in good standing of AFCC, the largest and oldest association of debt relief companies. In order to be a member of AFCC, a company has to follow a stringent set of requirements, disclosures as well as maintain them through continual review.
We believe that all companies that are operating legitimately and with consumers’ best interests at heart are members of AFCC in good standing, as is CuraDebt.This is important to you because you can rest assured that the highest quality in services and standards are being followed which ultimately gives you the best results and greatest peace of mind.
You can check the 3rd party verification of CuraDebt by clicking on the seals to the left.
The PowerProfiles.com directory is your trusted source for business information.
PowerProfiles.com, the official & online business database is much more than just a business to business directory, PowerProfiles.com helps member businesses to grow and build trust with consumers.
Honesty and integrity are two of the most important qualities when you choose to work with a company to help you. HONESTe Online is the rating and certification business bureau that ensures this.
Click on the logo to view details and verification.
The Online Business Bureau exists to allow consumers to investigate if a business is legitimate and upholds what it promises you.
You can click on the logo to the left to view CuraDebt’s report. We recommend that you ask any company that you are considering working with if they are members of the Online Business Bureau.
The goal behind following the guidelines as taught by The International Association of Professional Debt Arbitrators is to give you the best possible information in regards to evaluating a debt relief option.
At CuraDebt, over the 13 years of working nationwide and helping thousands of people and small businesses, we have created our own internal training series to supplement the training from IAPDA for our counselors.
In fact, there are 20 to 40 hours of additional training that all new team members have to learn and pass exams on in order to begin speaking with and helping you!
The Netcheck Commerce Bureau was established in 1995 to promote ethical business practices worldwide and to increase consumer and corporate confidence in purchasing products and services on the Internet.
Click on the seal to the left to read CuraDebt’s prowith NetCheck.
The U.S. Chamber of Commerce is the world’s largest business organization representing the interests of more than 3 million businesses of all sizes, sectors, and regions. CuraDebt is a member in good standing and continues to support the activities that help promote new business growth throughout the USA.
Charitable Contributions) As part of CuraDebt’s commitment to create more jobs for Americans, for years we have donated to SCORE, a USA non profit that coaches hundreds of thousands of small businesses to succeed and employ more people.
When it comes to debt relief, there are 22 qualifications, certifications and requirements any company must have to be a solid company you would want to partner with to resolve your unsecure debt, unsecured personal loans and tax debts:
There are several excellent companies in the industry that consistently rate in the top 5 along with CuraDebt. In independent evaluations, the closest company had 9 on the 22 point list of qualifications a debt relief company must have above.
There are several programs that CuraDebt offers for debt and tax resolution. Call, email or chat with a counselor to get the details. We have designed our fees to be lower than the fees of the top competitors and at the same time offer you better attention, service and results.