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After 24 years of running a debt relief company, here’s what I can tell you about minimum credit card payments: they’re designed to keep you paying, not to get you out of debt. On a $10,000 balance at today’s average 20.97% APR, those monthly minimums could drag on for 30+ years and cost you over $18,000 in interest alone. That’s
When it comes to credit card debt, many people feel paralyzed by fear or overwhelmed by the size of their balances. However, ignoring the problem only makes it worse. This guide will explain why doing nothing about credit card debt is a dangerous path, share real-life horror stories, and inspire you to take action to regain control of your financial
By Eric Pemper Founder of CuraDebt (Est. 2001) · 24+ Years in Debt Relief · A+ BBB Rating Last Updated: March 2026 · Reviewed for compliance and accuracy Why Doing Nothing About Credit Card Debt Costs You Thousands After 24 years of running a debt relief company, here’s what I can tell you about minimum credit card payments: they’re designed
A business line of credit is designed to be a safety net—a flexible tool to smooth out cash flow gaps. But when revenue dips or variable interest rates spike, that safety net can quickly turn into a financial trap. If you are currently staring at a line of credit balance you cannot pay off, you are likely searching for a
If the firm you hired hasn’t moved your case, you can disengage cleanly, protect yourself with the IRS, and switch to a team that actually executes—today. Your fast switch plan (CuraDebt does the heavy lifting) Why CuraDebt (use the “11 Musts” checklist to vet any provider) 2025 reality check: enforcement actions & why switching promptly matters Takeaway: if your provider
What it is (plain English) A “stay of enforcement” is a temporary collection hold we request from the IRS. When granted, it typically pauses new levies/garnishments for about 14–30 days while we get your investigation completed, submit your returns/financials and lock in a longer-term resolution (Installment Agreement, Offer in Compromise, or Currently Not Collectible). Why it matters What happens if
