Has your debt increased lately? Are you burnt out from trying different financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because already tried everything.
In the majority of cases, the best option is to speak with experts who can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. Many people are asking if they can help you or put you in more debt.
According to their clients, they can help you control the majority of your debts so that you can take couple of things off your mind.
However, for certain people the claims seem too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth review of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before starting the review, watch this video instead if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company 2021 Property Tax Relief Form
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best known feature. But they offer additional services to help you be more financially stable.
It all starts by requesting a no-cost online savings estimate. The service is completely confidential and won’t be doing a credit check. With this savings estimate you’ll be able to discover more about other options in your journey towards debt-free.
The savings estimate, which was mentioned earlier, provides you with the opportunity to consider your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you in navigating credit arbitration in the event that you decide to enroll. Some financial advisors can help you with your debt-free journey.
After your debt settlement program is completed, CuraDebt is the company to take care of all the calls from your creditors. They’ll also be the ones who negotiate the terms of your repayment in accordance with the state of your finances. Depending on which works best for you, it could be either a lump sum settlement or an installment plan.
Furthermore, they will work with lenders to help you have better rates as you deposit money to your savings account, which in turn, will be processed to pay off the creditors. Their programs can assist you to settle the debt within two years.
Once you’ve signed up with them, they will allow you access to your information 24/7. All you need to do is log in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. To be eligible, you’ll need to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on your behalf for all kinds of debt. They can help with medical bills, personal loans, credit cards and also loans. You can also approach them to help settle any remaining amount on business debts and collections or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority of your lawsuits, loans from the government or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they can help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors to ensure that you receive cash settlements, should it be possible. Certain violations may lead to having your debts also dismissed.
CuraDebt can also help you settle debt with less than the amount you have. Additionally, you can inquire about your debt during their no-cost meeting with their debt counsellor.
The best part about their program is that you will only pay the fees when your debt is paid off. All you have to sign up to any of the plans, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial records They will also gather all the necessary paperwork for tax returns.
Through this program, you’ll be able to deal with various tax issues like garnishments on wages as well as tax penalties for personal and business taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They use only flat-fee pricing and is dependent on the amount that you’ll have to pay.
They offer different options in paying off taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt are they able to help with?
While debt settlement is their specialization but they aren’t able to provide all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They won’t be able to help you if the credit or loan is tied to a physical item.
If, however, you are in one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay taxes that are due without difficulty. Moreover, this type of service is offered to all 50 states in the event that you have a debt in arrears to IRS. There are federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students negotiate any loans they owe.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card, CuraDebt can help you pay it off.
What will it cost you?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. Only pay when you have paid off all of your debts.
Additionally, they don’t have high-cost fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled through them.
In the average, this kind of industry can charge anywhere between 15% and 25%.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. This varies in relation to the amount you are able to save each month.
Additionally, they claim that you can save as much as 30% when you factor in their charges into your calculation.
However, the claim may differ based on your specific situation. Some clients even mentioned saving between 50% and up to 80%.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. Furthermore they only charge a 20% fee while the majority of companies charge 25%.
Then, if you’re done by the program for debt relief you could join their credit restoration program.
It’s a fantastic method to improve your credit score without having to go into debt again. However, the program runs in a different way for each individual according to your personal situation.
Lastly, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also look into any violations of creditor with the assistance of their experts in-house.
The drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with your credit card. If you’re trying to build a better standing on credit scores, you may delay you from working on your debt.
CureDebt does not offer a mobile application. While they do have a website for clients, it looks old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not credited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on those types of services. Moreover the 20% service charge is cheaper than most businesses that charge an additional 25% charge. There is no upfront payment and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll allow you to access an account to see your progress, their website is not simple to navigate. CuraDebt isn’t even an app, which would make it easier to track your progress.
However, they have a good support team, and you can reach them not only through emails but also by phone or making an e-ticket. 2021 Property Tax Relief Form
If debt is a big problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ 2021 Property Tax Relief Form
How long will it take to finish the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt has a tax relief program that can assist you with issues like delinquent taxes and garnishments of wages.
What should I do once I’m in the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to pay down the amount of debt you have over time.
