Debt Relief vs. Debt Consolidation: Which Option Saves You More?
September 5, 2025
Drowning in debt feels overwhelming. Multiple credit card bills, personal loans, and medical debt can make it hard to see a way out. When you're struggling to keep up with payments, two popular solutions come up: debt relief and debt consolidation. But which one actually saves you more money? The answer depends on your specific…
How Personal Loans Work: Your Guide to Borrowing for Debt Relief
August 28, 2025
When you're drowning in high-interest credit card debt, personal loans often seem like a lifeline. The promise of consolidating multiple payments into one lower monthly payment sounds appealing, but understanding exactly how personal loans work is crucial before you dive in. With average personal loan rates fluctuating and credit requirements tightening, it's more important than…
Chapter 13 Bankruptcy Calculator: Understanding the True Cost of Repayment Plans
August 15, 2025
Eric Pemper Founder, CuraDebt · Est. 2001BBB A+ Rated · BBB Accredited · ACDR Member · 1,600+ Five-Star Client ReviewsLast updated: September 1, 2026Chapter 13 Bankruptcy Calculator Understanding The True Cost Of Repayment Plans This article is for informational purposes only and does not constitute legal advice. Individual circumstances vary, and professional consultation is recommended…
New York Bankruptcy Means Test Calculator: Full Guide
August 15, 2025
By Eric Pemper, Founder of CuraDebtHelping people resolve unsecured, tax, and business debt since 2001 · BBB A+ accredited Last updated: July 3, 2026 The short answerThe New York means test is the federal tool used to gauge eligibility for Chapter 7 bankruptcy. It first compares household income to New York's median for the household…
Chapter 7 Means Test 2026: How It Works And Whether You’d Pass
August 9, 2025
By Eric Pemper, Founder of CuraDebtHelping people resolve unsecured, tax, and business debt since 2001 · BBB A+ accredited Last updated: July 3, 2026 Chapter 7 Means Test 2026: How It Works And Whether You'd Pass The short answerThe Chapter 7 means test is a two-part filter. First, your six-month average income is annualized and…
