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AADR UNIFORM DISCLOSURE STATEMENT

We are providing you the following disclosure statement, so you have a clear understanding of the benefits and risks of debt resolution.

  • Debt resolution is the negotiation of settlements of unsecured debts. Debt resolution is not a loan, is not credit counseling, and is not a credit repair program. We will not fix or address existing errors or inaccuracies on your credit report. We cannot guarantee that your creditors will agree to resolve your debts, resolve your debts for a specific amount, or resolve your debts within a certain time.

  • Debt resolution is suitable only for persons who are in financial distress and unable to pay or continue to pay their minimum monthly payments without hardship. Each consumer’s circumstances and results are unique, and not all consumers complete their debt resolution program.

  • Since many creditors will not consider an offer to resolve your debt unless a debt is past due or charged off, our ability to negotiate settlements depends on the delinquency status of your debt. You should not charge, draw, or take advances on your enrolled debts.

  • The use of a debt resolution program will adversely affect your creditworthiness, as creditors report the status of your enrolled debts to credit bureaus.

  • Your creditors may subject you to collections or lawsuits, charge you fees, assess penalties, and raise your rates for not making payments on your enrolled debts. If you are sued by a creditor, you should consult a lawyer.

  • The debt resolution program requires your active engagement and responsiveness. Your success depends on your ability to make regular deposits into an FDIC-insured dedicated account administered by a payment processor. If you cannot make these deposits, you should consider alternatives to address your financial hardship, including bankruptcy.

  • You own and control the dedicated account. Only you can authorize a payment, transfer, or withdrawal from this account. Funds in this account will not be used to make minimum, periodic, or other payments on your debts. Funds in this account will only be used to pay settlements to your creditors, fees to the payment processor, and fees to us for debt resolution services provided.

  • We will not earn and will not be paid our fee for settling a debt until we obtain a settlement agreement from a creditor, you approve that agreement, and a payment is made on that settlement.

  • You may withdraw from the debt resolution program at any time without penalty. If you withdraw, you are entitled to funds remaining in the dedicated account, less any fees earned by us or the payment processor that have not yet been paid. If you withdraw from the program, prior installment settlement agreements and unresolved debts may be negatively impacted, and you may owe the full balance on any of those debts plus accumulated interest, fees and any deferred or unpaid earned fees for debt resolution services provided.

  • Your creditors may report settlement savings of $600 or more to the IRS. We do not provide tax advice. You should consult a tax advisor to determine whether to report these savings as taxable income.

By signing this Disclosure Statement, you acknowledge that you have read this Disclosure Statement and understand the potential consequences of enrolling in a debt resolution program, including but not limited to the potential consequences of failing to make payments on your debts and the impact to your creditworthiness.

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Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email [email protected].

Establishment of a debt settlement plan may adversely affect your credit rating or credit scores. Nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. In CT, DE, GA, HI, ID, KY, LA, ME, MT, NV, NH, NJ, ND, OH, PR, RI, SC, VT, WI and WY, CuraDebt does not provide debt settlement/adjustment services and instead may forward the consumer to a law firm that may be able to assist in providing similar services as part of their practice. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.

Debt settlement services are not for everyone. Our projections are derived from historical results and will vary based on the specific creditors you are enrolled with and the terms of your individual program. Successful program completion is contingent on various factors, including your ability to accumulate sufficient funds. We cannot assure you that your debts will be settled for a predetermined amount or percentage, nor can we guarantee a specific timeframe for resolution. We do not assume your debts, make monthly creditor payments, or offer advice on tax, bankruptcy, accounting, legal matters, or credit repair services. Availability of our services will vary by state, and our fees are subject to state-specific variations. It is advisable to consult with a tax professional regarding potential tax implications of debt resolution for less than the full balance. Prior to enrollment, thoroughly review and comprehend all program materials. On electronic, telephonic, or written request the company will make available to the consumer a paper copy or copies of agreement. The managing member of CuraDebt Systems, LLC is Eric Pemper; any concerns or inquiries please email [email protected].

Engaging in debt settlement services may have adverse effects on your creditworthiness/credit rating, potentially leading to collections, legal actions by creditors or collectors, and an increase in outstanding balances due to accrued fees and interest. Nevertheless, negotiated settlements obtained on your behalf encompass the entire account, including all fees and interest. Familiarize yourself with all program terms before enrolling. Mississippi Licensed Debt Management Service Provider. Licensed in various other states. Please be aware that all interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes. CuraDebt Systems, LLC upholds a non-discriminatory policy based on race, color, religion, sex, marital status, national origin, or ancestry. Our headquarters are located at 4000 Hollywood Blvd. Suite 555-S Hollywood, FL 33021.

C.P.D. Reg. No. – 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider with the License No. DSP-13.

© 2000 – 2025 CuraDebt Systems, LLC. All Rights Reserved.

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