CuraDebt is a financial services company that is dedicated to helping both individuals and businesses to negotiate and settle debts in excess of $10,000. Debt that qualifies for negotiation and settlement includes credit cards, personal loans and medical bills.

The company was created in 1996. It is based in San Diego, California where it is a member in good standing of the San Diego Channel Chamber of Commerce, the San Diego Better Business Bureau and TASC (The Association of Debt Settlement Companies).

CuraDebt to date has helped thousands of individuals and businesses across the country to become debt-free without having to file for bankruptcy. In an industry where there are a high number of complaints, CuraDebt maintains an excellent reputation for remarkably high customer satisfaction.

How Debt Settlement Works

For each new client that enrolls in the debt relief program they are immediately assigned an experienced financial counselor to work with them one-on-one devising a customized plan that is specifically suited to their current financial situation.

Clients also have full access to a team of experienced professionals that includes lawyers, credit arbitration experts, financial advisors, lenders and even psychologists. All the bases are covered and nothing is left to chance.

Once enrolled in the program clients will no longer be hassled by creditors or collection agencies. And because of pre-existing solid relationships with creditors, law firms and collection agencies, CuraDebt is able to negotiate very favorable lump sum settlements or payment plans for their clients.

Is Debt Negotiation Right for You

Unlike credit counseling and debt consolidation, where interest rates are reduced but the principle is not, debt settlement offers consumers and businesses an opportunity to become debt-free in a quicker timeframe and for considerably less money.

There are debt settlement letters and testimonials available on the CuraDebt website where clients have reduced their debts anywhere from 50% to 89%. All situations are different and must be treated as such so there is no way to know how much a clients debt can be reduced until the process begins.

To learn more we encourage you to complete a simple form located through the link on this site and an experienced debt reduction counselor will contact you to offer you a free, no obligation debt reduction analysis. The form simply calls for your name, email address, phone number, debt amount and the best time to speak. It takes all of 30 seconds to complete.

Click Here to Fill Out the Form for a FREE Consultation

Whether it is financial mismanagement or neglect, or if factors that are beyond our control such as being laid-off are the cause of our financial hardship, the need to negotiate debt may be required when debt and money management issues seem to spiral out of control.

One important thing to bear in mind if you’re struggling with debt is the fact that creditors do not want to see you default on the money that you owe, whether it be for credit cards, a mortgage, an auto loan, etc. So it is important that you bear in mind when entering credit debt negotiation that lenders are more than likely eager to work with you to find a solution.

You can employ the services of a professional debt negotiator from a credit counseling service, or you can do it on your own. There are pluses and minuses for doing it both ways and it would not be proper if I advised you which way you should negotiate debt without knowing the details of your specific situation.

Many times I would suggest that the business or consumer that is seeking credit relief approach their creditors on their own to negotiate a settlement. To do this you must arm yourself with as much information as possible. There is plenty of information available on the Internet. Just make sure you get it from reliable sources.

If you’re not comfortable with negotiating debt on your own behalf or do not get the results you hope for, then you should look into a debt negotiation program. A debt negotiation company often times will have preexisting relationships with your lenders that will enable them to effectively enter into credit debt negotiation.

Whichever way you choose to go the important thing to keep in mind about debt negotiation is that you must be prepared. The more knowledge that you arm yourself with, the better off you will be. While debt negotiation services can be effective, it is imperative that you too are knowledgeable in order to successfully engage in credit debt negotiation.

It is the first step to building a stronger financial future and can bring credit relief to those that find themselves facing mounting debt. Consolidating credit card debt has many advantages, as does debt settlement . We offer the following tips and information to you as a guide for successfully becoming debt free.

Debt Consolidation

As stated before, consolidating credit card debt can be a wise move for beleaguered cardholders for several reasons. First off, getting lower interest rates is obviously going to mean that you’ll save more money on your monthly bills.

You should write down the interest rates that you are charged for each and every one of your credit cards. Then you should record the interest rate that is offered to you through credit card debt consolidation.

If you find that there are cards that you already have with lower interest rates than what is being offered through the debt consolidation services then you should not include them. For obvious reasons we only want to include credit cards that we can get better interest rates on.

Another advantage to consolidating credit card debt is that it makes it much simpler to deal with one bill as opposed to many. Sometimes, despite our best intentions, one of our bills can slip through the cracks and go unpaid. When that happens the bank or credit card issuer will almost certainly raise the interest rate charged for that card.

The end goal of course, is to be paying less money to the credit card companies. You will also want to look into various scenarios using a credit card insurance payment calculator to see how much you can afford to pay in order to get out of debt altogether.

There are many credit card debt consolidation services and programs available. Simply go on the Internet and do a search for terms such as consolidating credit card debt, credit card debt consolidation programs, or simply credit card consolidation and you will find that there are literally dozens of companies available.

The beautiful thing about the Internet is that it allows us to compare the services to come up with the best deals. It also gives us the opportunity to research the various credit card debt consolidation programs to make sure that they are legitimate and has no customer complaints against them. The Better Business Bureau is also an excellent resource that can be utilized.

It is unfortunate but it must be stated that there are some unscrupulous debt consolidators out there as well so I urge you to please be very careful when screening these companies. Ask plenty of questions and if they hesitate to answer them or give you vague answers that you’re not satisfied with then move on to the next company.

Working with professionals to help you consolidate credit card debt can pay off in a big way. It is a very important decision to make so be sure that you do your homework before you choose a specific company or service to work with. Your financial future is extremely important and should be dealt with using the greatest of care.

Debt Negotiation and Debt Settlement

Another viable option that many have turned to is debt settlement. Unlike debt consolidation, debt settlement is when you negotiate with your creditors to pay a reduced portion of what you owe. Note the difference between debt consolidation and debt settlement.

With debt consolidation you are still paying the entire amount but with reduced interest rates. With debt settlement, also commonly referred to as debt negotiation, the total amount owed to creditors is reduced. You are negotiating with your creditors to settle your debt for substantially less than what you owe. The remaining portion of your debt is then forgiven.

If you currently find yourself in debt from credit cards, personal loans or medical bills in excess of $10,000 then perhaps you should learn more about how debt settlement may benefit you.

If you have unsettled debt that you are ready to put an end to, you can take control. You do not have to go into the poor house trying to repay your creditors for your past mistakes. Instead, you should consider a debt settlement program.

Debt settlement is usually something that all parties are interested in because it will allow you to pay a portion of the debt or all of the debt over a specified period of time. This negotiation allows you to make affordable payments and gets some or all of the money to the creditor to satisfy your debt.

The creditor often offers debt negotiation, and if this is the case, you might want to jump at the opportunity to pay a smaller amount as opposed to declaring bankruptcy.

If you have a pushy creditor that has not offered debt negotiation, you can do it yourself. Simply call up and firmly but politely tell the creditor what you are or are not willing to do.

Tell them that you want to satisfy the debt, but you cannot afford their payments so you need to make smaller payments over a longer period of time. The lender realizes that getting something is better than getting nothing.

You may also be able to reduce the amount you owe with a debt settlement program by telling the creditor you will pay up as long as they get rid of any interest that has been charged to the account. In some situations this is thousands of dollars, which makes the debt repayment much more doable.

Debt negotiation works. It works because it gets the creditor the money that they want and you don’t go broke in the process. This is a very simple way to repair your credit and get your buying power back.

If you suggest a debt settlement program, you may not get an answer right away; instead, it may need to be approved by top officials of the creditor, but chances are they will work with you. Be firm, and don’t let the creditor make you feel bad during the debt negotiation process.