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California Bankruptcy Means Test Calculator: Your Complete 2025 Guide

August 14, 2025
This article is for informational purposes only and does not constitute legal advice. If you need legal guidance specific to your situation, especially concerning the California bankruptcy means test, consider consulting with a qualified bankruptcy attorney. Living in California: When Financial Pressure Becomes Overwhelming California’s soaring cost of living continues to challenge even the most…

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Chapter 7 Means Test Calculator 2025: Pass or Fail in 90 Seconds

August 9, 2025
You’re drowning in debt and considering Chapter 7 bankruptcy. The first question isn’t whether you should file – it’s whether you can file at all. The Chapter 7 means test stands between you and debt elimination, and failing it could force you into a 5-year Chapter 13 repayment plan instead. Here’s the reality: most Chapter…

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Debt-to-Income Ratio Calculator: Find Your Number & 5 Ways to Fix a High DTI

August 8, 2025
Debt-to-income ratio (DTI) is a vital number in anyone’s financial life, yet most people have no idea what theirs is or how to improve it. Lenders use your DTI to decide whether you qualify for mortgages, car loans, and credit cards. Even landlords use it to evaluate rental applications. And now, the classic news situation.…

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Debt Payoff Calculator Showdown: Avalanche vs Snowball vs Hybrid (2025 Edition)

August 5, 2025
Staring at $15,000 in credit card debt across four different cards? You’re not alone. Though there are varying reports on this, it is estimated that the average American household carries over $7,000 in credit card debt. Collectively, according to a recent Q1 2025 report by the Federal Reserve Bank of New York, the debt balance…

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Small Business Debt Relief Programs: Top Solutions for 2025

August 2, 2025
Small Business Debt Relief Programs: Top Solutions for 2025 Running a small business in 2025 is tough. Costs keep rising. Supply chains break down. Money gets tight fast. Many business owners face crushing debt. Credit cards pile up. Tax bills grow. Merchant cash advances eat into profits. Before you know it, you’re drowning in payments…

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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.