Unsecured Debt Relief & Principal Settlement Pre-Qualifier
Carrying $10,000 to $100,000+ in high-interest credit cards, personal loans, medical bills, or past-due taxes? Use our interactive 60-second pre-qualifier below to verify your state eligibility, estimate your monthly cash-flow relief, and connect directly with our accredited partner CuraDebt (over 24 years of consumer debt & tax resolution experience).
Step-by-Step Debt Relief & State Eligibility Checker
Select your total unsecured balance, debt categories, and state to unlock your instant match.
State regulations govern debt settlement licensing and escrow protections. Our engine automatically checks CuraDebt state coverage.
Matched Program: CuraDebt Performance-Based Debt Settlement
Your $25,000 balance in CA meets the pre-qualification criteria for a zero-upfront-fee consultation with CuraDebt (Awin Verified Partner #88085). Continue directly below or save your custom estimate first.
*Estimates above are educational illustrations based on typical industry settlement parameters before program fees and are not a guarantee of specific savings or completion dates. Actual results vary based on individual creditor policies, account delinquency status, and timely monthly escrow deposits.
Prefer to Speak With a Senior Debt Relief Counselor Over the Phone?
Carrying $10,000 to $100,000+ in credit cards, medical bills, personal loans, or back taxes? Call our toll-free CuraDebt inbound counselor line for an immediate, zero-obligation savings calculation with $0 upfront fees.
- $0 Upfront Settlement Fees (FTC 16 CFR Part 310 Compliant)
- Qualifying Balances: $10,000 – $100,000+ (Unsecured & IRS/State Tax)
- Direct Inbound Call & Warm Specialist Transfer Available
No Soft or Hard Credit Pull Required to Check Eligibility • 24+ Years Accredited Track Record
Save Your Custom Debt Relief Estimate & Proceed to Partner Intake
Complete the secure intake below to log your confidential debt relief request with Debt Cleaner Inc. and immediately proceed to our verified partner matching portal.
Compare Debt Relief Paths: Settlement vs. Consolidation vs. Minimum Payments
Before enrolling in any debt relief program, compare how performance-based principal settlement differs from traditional credit card minimum payments, Debt Management Plans (DMPs), and bankruptcy:
| Comparison Factor | Performance Debt Settlement (CuraDebt) | Debt Management Plan (DMP) | Minimum Card Payments (24% APR) | Chapter 7 / 13 Bankruptcy |
|---|---|---|---|---|
| Principal Balance Reduction | Yes — Negotiates principal reductions on unsecured debt | No — Repays 100% of principal + lowered APR | No — Repays 2x–3x original principal in interest | Court-ordered discharge or 3–5 yr wage plan |
| Upfront Settlement Fees | $0 Upfront (FTC Telemarketing Sales Rule compliant) | Monthly enrollment & maintenance fees | None (compounding interest applies) | $1,500 – $4,500+ upfront attorney & court fees |
| Typical Timeline | 24 to 48 Months | 36 to 60 Months | 15 to 25+ Years | 4–6 Months (Ch. 7) / 3–5 Years (Ch. 13) |
| IRS & State Back Tax Capability | Yes — Dedicated in-house Tax Debt Relief team | No (Credit cards only) | N/A | Limited (Strict tax age & filing rules) |
| Public Court Record | Private out-of-court creditor resolution | Private counseling plan | None | Permanent public federal court filing (7–10 yrs on credit) |
Important Consumer Disclosures, Partner Attribution & FTC Compliance
Independent Editorial & Affiliate Disclosure: Debt Cleaner Inc. (debt-cleaner.com) is an independent consumer financial education and partner-matching resource and is not a lender, law firm, or government agency. When you click through or pre-qualify for debt resolution services with our featured partner CuraDebt (via the Awin Affiliate Network, Advertiser ID 88085), we may receive referral compensation at zero additional cost to you.
Zero Upfront Fees & Program Realities: Pursuant to the FTC Telemarketing Sales Rule, performance-based debt settlement providers do not charge settlement fees until a debt is resolved and at least one payment is made toward the negotiated agreement. Debt settlement programs are not loans and do not pay your existing creditors monthly; instead, you accumulate funds in a dedicated FDIC-insured special-purpose escrow account under your control. Stopping direct minimum payments may result in late fees, collection communications, or temporary adverse impacts to your credit score.
Tax & State Availability Notice: Cancelled debt of $600 or more may be reported by creditors on IRS Form 1099-C unless you qualify for the federal insolvency exclusion under Internal Revenue Code § 108(a)(1)(B). Program availability varies by state regulation (currently excluding CT, GA, IL, KS, ME, NH, NV, OR, SC, VT, and WV for direct CuraDebt settlement intake).