Best Debt Consolidation for January 2021

* CuraDebt does not charge any fees for its free counseling sessions. If you qualify for the Performance Based Debt Settlement Program, performance fees will only be earned as debts are settled. Not all services are available in all states. Individual results vary. CuraDebt does not guarantee debt will be reduced at any specific percentage. CuraDebt also does not assume or pay any consumer debts and does not provide tax or legal advice. If you seek legal or tax advice, you should consult with a tax specialist or attorney. Read and understand all contract terms prior to enrollment. A minimum of $5,000 is needed to qualify for the debt relief programs. Debt Relief Services are not available to residents of ID, KS, LA, ME, OR, SC, UT, WV and WY. Tax Services is not available in PA and PR.

GRT Financial, Inc. (“GRT”) is a licensed provider of performance-based debt mediation programs that aim to settle debts with your creditors. GRT does not provide debt consolidation or credit management services, and does not pay consumer debts. These programs are not being offered by any governmental agency. GRT does not guarantee a particular result. Debt forgiveness depends on individual circumstances. Your individual results will vary based on your creditors’ willingness to settle and your ability to save funds. Statements concerning results are general examples of past performance and are not intended as a guarantee. Programs are not available in all states. In some states, we may refer you to professionals who provide services. GRT does not provide tax, legal, or credit advice. If you seek such advice, you should consult with a tax specialist or attorney. The choice of a lawyer is an important decision and should not be based solely upon advertisements. GRT charges fees when it settles a debt and is calculated as a percentage of your enrolled debt. Entering into 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.

Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825.

Clients who make all their monthly program deposits pay approximately 50% of their enrolled balance before fees, or 65% to 85% including fees, over 24 to 48 months (some programs lengths can go higher). Not all clients are able to complete our program for various reasons, including their ability to save sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S. 12-03825.