If you are feeling affected by your debts and none of what you have tried so far has helped, this article is for you. The first step is to help you understand that you are not alone. Many U.S. citizens are in the same situation as you.
We understand that there might seem to be no way out, but the truth is that a lot of people have been able to get rid of that burden each year, and the next one could be you!
With CuraDebt, we have the Rhode Island debt relief program that you need, with all the necessary experience, licenses, and networking to help you breathe again. You could be debt-free in a short period of time. Join the CuraDebt family right now and be part of the thousands of U.S. citizens who can now spend more time with their families and friends, instead of being worried 24/7 about finances and debt.
CuraDebt was founded by Eric Pemper in 1998 with the one and only goal of helping families from Rhode Island and the United States, in general, to conquer their finances and guide them through smooth processes of debt management. In 2000, CuraDebt put down roots in all the states across America. Since then, we have been offering a helping hand to thousands of individuals each year, and the results have been outstanding!
Do you want to receive some wise advice regarding your debts and finances? Wait no more and get a personalized debt relief program and estimated savings here.
If you live in Rhode Island and you’re constantly thinking about your credit cards and debts, let me tell you that you are not alone. Did you know that Rhode Island is the smallest state in the US, yet its citizens are among those with the highest levels of credit card debt in the top 20 states? Wow!
Additionally, borrowers’ student debt levels are significantly greater than those in other regions of the nation.
But what about delinquency? Did you know that Rhode Island’s credit card and mortgage delinquency rates are also above average?
Just to give you a more solid background of the situation in the state, let’s review some specific statistics from ConsolidatedCredit:
Finally, the credit utilization in Rhode Island is around 31 %, and you need to know that values higher than 30 % can damage your credit score!
In conclusion, the prospect is definitely not encouraging, and trying to handle it on your own can cause more harm than good. If you want to manage and regain control of the situation, think about debt consolidation. Reach out to CuraDebt now, and let us help you with your loads.
If illegal or abusive practices have been used to violate your consumer rights, you should about the laws of customer protection in Rhode Island.
Consumers who are subjected to harassment by debt collectors may be threatened, abused, or forced into making payments on their debts.
In Rhode Island, we have the Rhode Island Fair Debt Collections Act, which can be compared to the federal Fair Debt Collection Practices Act, and protects customers against debt collector harassment and violations, such as:
Other illegal behaviors toward you are referred to as misrepresentations. These include untrue assertions or accusations or engaging in dishonest, deceptive, or misleading behavior. Such as:
If any of the behaviors mentioned above called your attention or made you feel identified, speak up. It is your right to take action and stop feeling intimidated or violated. Wait no more and contact us. Schedule a conversation with a CuraDebt counselor right now.
Debt settlement is often defined as the process of negotiating with your creditors to pay less than the full amount owed on your debts. This is also known as debt negotiation or forgiveness.
These programs aim to save money by lowering or even eliminating late fees, collection expenses, and interest charges.
It works by settling a precise amount of money into an account every month.
Here, at CuraDebt we aim to evaluate your particular situation to develop a program that can help you save as much money as possible, as quickly as possible. We have the required experience, processes, and networking to get you the lowest legal amount possible. Can you imagine being debt-free in half of the time you expected to be? Well, once you get your settlement letter, you will be on your way!
Debt settlement with CuraDebt is a wise step to better manage your finances. Let’s review some of its benefits:
At last, the amount of money that you can save depends on a lot of factors, such as:
Remember that tax debt is equally important. We can guide you through a rather simple process to take care of taxes, CuraDebt can give you a hand with:
At CuraDebt, we care about your business and how valuable it is for you and your family. CuraDebt can give you a hand with:
Remember that those mentioned above are the TOP CITIES, we actually serve all cities and residents in the state.
Before making any decisions, it is always recommended to review all the different options out there. Here we brought to you some of the most relevant ones:
This is the first option people usually think about, it requires no further do and it only implies leaving things the way they are.
The first disadvantage is that there would be no improvement in the situation, because basically you will leave it the way it is, and if you are here, we assume you are trying to escape that situation, in the first place. Another problem concerning expenses is that the creditors will boost interest rates, and this will make the debt even worse with time.
Keep this in mind because you may feel tempted because of its benefits in the short term. Consider what we exposed above so you become aware of the risks in the long term.
This is a very common thought for people dealing with debts because at first sight transferring a credit card’s balance to another sounds like the perfect solution to get relief from that burden.
Here we explain to you the disadvantages of this choice, that later on can make your burden even heavier!
In the beginning, the new card’s interest rate will be low, but after time passes, the rates on the second card will increase even more than the first one. Plus, you have to be very consistent with your payments, or the credit card company can think you’re committing fraud.
So, think twice before transferring your balance!
The Debt Management Program (DMP) defines a partnership between a non-profit organization and credit card companies.
The credit issuer considers lowering your interest rate to 0 % in exchange for a monthly fee to a non-profit organization.
It sounds great! Contributing to the efforts of non-profit organizations. But in your case, you should consider if the benefits of paying a single bill and these contributions outweigh expenses, which are usually the main concern.
We tell you this because sometimes it can be more expensive than other alternatives. Keep in mind that the fees for non-profit organizations are around sixty to eighty dollars per month.
And you must remember: the more expenses, the worse your debt will be. So… think carefully.
One of the most important things to handle debts properly is due dates. You have to follow up on your due dates to avoid running late and therefore, avoid having further issues.
This problem worsens when you have more than one debt to pay, in this case, it turns into a complete headache because missing a single payment can affect the interest rates on unsecured debts and that is another burden you want to avoid at all costs.
Debt Consolidation means that you can mix up your debts in one single bill and at a lower interest rate.
In short, it is the process of taking out one loan to pay off several separate loans.
Now, let’s review some of the main things to keep in mind when deciding on Debt Consolidation:
This option is pretty much like investing. It has to be well done for things to work in your favor. Otherwise, the remedy can be worse than the disease.
A Secured Debt Consolidation Loan gives you the chance to have a new loan that can be used to pay out other unsecured debts. The thing is that you need to use equity to take out the loan, this is usually your property!
So, yes, you are thinking correctly about what can happen if you are not able to make regular or efficient payments.
A wise choice, nevertheless, is to do it with professional help. Here at CuraDebt, we can help you get the lowest interest rates and aim for the highest savings.
This is a very helpful service if done correctly. A credit counselor can definitely assist you in better management of your finances.
The problem is that there are as many credit counselors available as grains of sand, and finding a good one can be challenging. In this journey, you can end up investing a lot of your money and time, and as expected, the more expensive, the better the service.
So, if the problem was money in the first place, adding more expenses does not sound appropriate.
This is the least favorable place where you want to be. Chapter 7 bankruptcy will apply if your income is lower than the median income in your state.
When your incomes are above the median income of the state, yet you are not able to manage your finances and pay your debt, bankruptcy under Chapter 13 will be appropriate.
Your company will fall under Chapter 11 bankruptcy if it is close to going bankrupt and is unable to pay its debts.
You MUST be aware of the disadvantages of bankruptcy:
It can be as difficult for you as not being able to get a loan for up to twenty years!
At CuraDebt, we care about you and your family. Talk to us right now and we will show you better alternatives other than bankruptcy.
MCA offers assistance for operating firms that require additional funds to pay for various company expenses. This comes very handy when your company payments feel stuck for some reason and you require a helping hand.
An MCA loan typically uses accounts receivable as security. The lender may seize receivables to recuperate the loan amount if the company is unable to repay the loan as a result of any difficulty.
Some disadvantages include:
Remember that dealing with debts can be really stressful and can put your family’s well-being at risk. So, if this is your case, you should consider contacting a professional company like CuraDebt. Learn more about it here.
According to the nature of the debt, Rhode Island’s statute of limitations ranges from three to ten years.
Debt settlement is a program made for people who are struggling. When unable to pay for debts and handle finances due to income loss, for example.
Here at CuraDebt, we have qualified counselors waiting to be contacted and eager to offer you services so you can rejoice with your family again and plan a brighter future. To ascertain your eligibility, we will evaluate your cash flows.
Remember that the estimate of the amount you can save through our programs is COMPLETELY FREE.
Consider this option and let us convince you of working with us. Let us give you a hand and start thinking of future projects instead of wandering about your debts.
There are many types of debt relief programs available in Rhode Island, each with different terms and conditions.
Some programs provide immediate help while others require that you wait until their payment plan begins before getting any money back in return for paying off your debts faster than normal.
CuraDebt’s fees are guaranteed to be the lowest in the industry which can beat the competitor’s offer too. The CuraDebt Debt Relief Program does not require an upfront fee.
With CuraDebt, you are in the right hands. With a five-star rating and no complaints, we are confident to beat any competitor’s offer. We are more resourceful than any competitor on the market.
Get rid of your high-interest-rate debt and create a debt-free future with us.
Call 877-850-3328 for a free consultation now!
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