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Why Many Americans Considering Bankruptcy Are Exploring This Debt Relief Option Instead
Published by FW Staff on March 27, 2026
With credit card interest rates near record highs and household budgets stretched thin, more Americans are searching for a way out of debt that doesn’t involve filing for Chapter 7 or Chapter 13. For many, bankruptcy feels like the only option, but there are alternatives worth evaluating first.
CuraDebt has spent over 25 years helping people resolve unsecured debt. The company holds an A+ rating and is accredited by the Better Business Bureau, with more than 1,600 five-star client reviews across verified platforms including CustomerLobby, BBB, TrustPilot, Google Reviews, Shopper Approved, and Yelp. The program is built around negotiating with creditors directly, with the goal of reaching settlements for less than the full balance owed.
No Credit Impact To Check Eligibility
Checking whether you qualify does not affect your credit score. There is no obligation to enroll, and the eligibility check is free and confidential. If you qualify and decide to move forward, a counselor will walk you through what the program involves, what to expect, and what fees apply before you make any decisions.
See If You Are Eligible:
Step 1: Click on your state below.
Step 2: Answer a few quick questions.
Step 3: Speak with an understanding counselor to complete the process.
Select Your State To Start:
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DISCLAIMER: This is an advertorial and not an actual news article, blog, or consumer protection update.
Estimates provided are based on prior results, which may vary depending on the specific creditors enrolled and individual program terms. Not all clients successfully complete the program, as outcomes depend on factors such as their ability to save sufficient funds. There is no guarantee that debts will be resolved for a particular amount, percentage, or within a specific timeframe. Additionally, this service does not involve assuming debts, making monthly payments to creditors, or offering tax, bankruptcy, accounting, legal advice, or credit repair services.
The program is not available in all states, including New Jersey, and fees may differ by state. Individuals are advised to consult with a tax professional regarding potential tax consequences for settling debts for less than the full balance. It is important to read and fully understand all program materials before enrolling.
Using debt settlement services may have adverse effects on creditworthiness, lead to collection efforts, or result in legal actions by creditors or collectors. It may also increase the outstanding balances on enrolled accounts due to accrued fees and interest. However, negotiated settlements through the program resolve the entire account, including accrued fees and interest.
1,600+ five star reviews is the total from CustomerLobby, BBB, TrustPilot, Google Reviews, Shopper Approved and Yelp. The company was founded in 2001 as Pemper Companies, Inc DBA CuraDebt and reincorporated in 2008 as CuraDebt Systems, LLC.
C.P.D. Reg. No. T.S.12-03825