Has your debt been piling up lately? Are you tired of trying different financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with professionals that can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people have been inquiring whether they can help you or put you in more debt.
According to their clients they can assist you in managing 80% of your debts so that you can finally take a few things off of your mind.
But for some people they believe these claims are too good to be true.
You might be looking for any solution that could aid you in settling your debt. In this scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of the way CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, check out this video instead in case you would prefer watching it.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Alameda County Low Income Housing Tax Relief Program
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been an active member 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 restricted their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. But they offer other services that can help you be more financially secure.
First of all, it begins by requesting a free savings estimate on the internet. This service is very confidential, and they won’t be doing a credit check. With this estimate of savings you’ll be able to discover more about options to debt-free.
The savings estimate, as mentioned previously, offers you an insight into your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you in navigating credit arbitration in the event that you decide to join. Some financial advisors can help you in your debt-free journey.
Following the debt settlement plan, CuraDebt can be the agency to take care of all the calls from your creditors. They will also be the ones who will determine conditions of the payment depending on the condition of your financial situation. Based on what works best for you, it could be a lump-sum settlement or an installment plan.
Moreover they will work with creditors so that you can enjoy better rates when you deposit money to your savings account. This, in turn, will be processed to pay back creditors. The plans they offer can help you get rid of debt in just 48 months.
After you’ve registered with them, they’ll give you access to your account information 24 hours a day. All you need to do is login to CuraDebts’ client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with your debt. They can negotiate settlements on your behalf to settle all kinds of debt. These include personal loans, medical bills, credit cards and also line of credit. You can also approach them to help settle any remaining balance on business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get support for most claims, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying debtors who are in violation to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt also allows you to pay off debts with less than the amount you own. Additionally, you can ask questions during their free consult with their debt counsellor.
The greatest benefit of their plan is that you’ll only be charged after your debt has been settled. All you need to do is sign up with some of their programs and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they collect all of your financial documentation, they will also collect all the necessary paperwork for tax returns.
With this program, you should be able to deal with various tax issues such as wage garnishments, tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges either. They use only flat-fee pricing and is dependent on the amount you’ll must settle.
There are a variety of options in paying off the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt can they assist you with?
Although debt settlement is their forte, they don’t cater to all types of debt settlement. CuraDebt only focuses on unsecured debt. They won’t be able to help you if your credit or loan is tied to a physical item.
However, if you have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without any problems. Additionally, this service is accessible to all 50 states if you owe money to the IRS. There are tax experts from the federal government that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In some instances, you may even pay them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students with negotiating any loans they are owed.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. You may also be eligible of the program if you also have other unsecured credit lines you obtained from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card, CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is how the company has priced its services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, they don’t have high-cost fees as well. On average, you’ll have to pay up to 20% of the debt you settled with them.
In general, this type of business can cost anywhere between 15% and 25 percentage.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. This varies according to the amount you save per month.
They also claim that you can save up to 30% if you include their costs into your calculations.
However, this statement will depend on your situation. Some customers even claimed to save between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt offers, let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. In addition they charge only a 20% fee while most companies charge you 25%.
Then, if you’re done by the program for debt relief you may enroll in their credit restoration program.
It’s an excellent option to rebuild the credit rating without having to go back into debt. However, the program runs differently for each person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, your debt won’t increase over time. They’ll also be looking into any violations of creditor with the help of their in-house experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with . So if you’re trying to improve your credit score, it could delay you from finishing your credit card debt.
CureDebt does not offer a mobile application. While they have a website that clients can access, it looks old and mundane. It’s not very intuitive and could be challenging to navigate.
Moreover, they are still not credited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to settle your debt without spending more on these kinds of services. In addition their 20% service fee is lower than many businesses that charge the 25% cost. There are no upfront payments and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app that would make it easier to track your progress.
But, they do have a competent support staff, and you can reach them not only through emails but also by phone or sending an e-ticket. Alameda County Low Income Housing Tax Relief Program
If debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be qualified and that the services that they provide are offered in your state.
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FAQ Alameda County Low Income Housing Tax Relief Program
How long does it take to complete the course?
The typical program lasts from 24 to 48 months, depending on the amount of your debt as well as the agreed settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt has a tax relief program to aid you in dealing with problems like delinquent tax issues and garnishments of wages.
What should I do once I’m in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to reduce your debt over time.
