Has your debt been piling up lately? Are you exhausted from trying other financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through every thing.
In most cases, the best option is to speak with professionals that can help to resolve this issue.
CuraDebt is among the companies that get the most inquiries. Many customers have asked if they can assist you or help you get into more debt.
According to their clients they can assist you in managing the majority of your debt , so you can finally take a couple of w
orries off your shoulders.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can assist you in paying off your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll be taking a deep review of the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, you can check out this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Boulder County Senior Homeowner Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000, and is an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best well-known feature. They also provide additional services to help you be more financially secure.
First of all, it begins by requesting a free savings estimate online. It is a completely private service and they will not conduct a credit inquiry. With this estimate of savings you’ll discover more about alternatives to be debt-free.
This estimate of savings, which was mentioned before, gives you the opportunity to consider your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to help you with credit arbitration if you decide to enroll. Some financial advisors can help you on your path to debt-free living.
After your debt settlement plan, CuraDebt can be the agency to answer all of your creditors’ calls. They will be the ones who negotiate conditions of the payment based on the status of your finances. Based on what works most effectively your situation, the payment can either be a lump sum settlement or the option of a payment plan.
Additionally they will be working with creditors so that you can have better rates as you transfer money into your savings account. This in turn, will process to pay back the creditors. The plans they offer can help you pay off the debt in two years.
After you’ve registered with them, they will allow you access to your data 24/7. All you have 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 satisfy their criteria first. For eligibility, you’ll need to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf to settle most types of debt. This includes personal loans, medical bills, credit cards as well as lines of credit. They are also able to pay off any remaining amount on business debts, collections, or repossessions.
They can even help negotiate for back taxes as well as IRS debt. But, you won’t receive support for most claims, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they will assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation so that you can have cash settlements, if possible. Some violations can also cause your debt to be removed as well.
CuraDebt can also help you pay off debts with less than the sum you have. You can also inquire about your debt during their no-cost meeting with their debt counselor.
The best part about the program is that you’ll only have to pay for the charges when your debt is paid off. All you need 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 the tax liabilities you have. Once they’ve gathered all your financial records and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
By using this program, you will be able to solve various tax issues such as wage garnishments as well as tax penalties for personal and corporate taxes and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs also. They use only flat-fee pricing that is based on the amount you’ll must settle.
They have different solutions when it comes to settling taxes. 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 types of debt are they able to help with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to provide all kinds of debt settlement. CuraDebt concentrates on loans that are not secured. They can’t assist you if your debt or loan is tied to an actual item.
However, if you have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able to settle taxes that are due without difficulty. Furthermore, this service is available to all 50 states if you owe money in arrears to IRS. There are tax experts from the federal government to assist you with these kinds of problems.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students in negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You may also be eligible if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards or private label credit cards CuraDebt can help you pay it off.
What is the cost?
The best part about CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your debts.
Additionally, they do not charge high charges either. In the average, you’ll need to pay as much as 20 percent of the debt you settled through them.
In the average, this kind of business can cost anywhere from 15% to 25%.
Moreover, clients can expect to settle their debt from 2 to 4 years. However, this also varies depending on the amount that you can save up per month.
They also claim that you can save up to 30% if you include their charges into your calculation.
But this claim will also depend on your situation. Some clients even mentioned saving 50% to up to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt will only charge you after you’ve settled your debt. Additionally, they only charge an amount of 20%, while most companies charge you 25 percent.
Next, if you’re done by the program for debt relief you can also sign up for their credit restoration program.
It’s a fantastic way to restore your credit without going back into debt. However, the program lasts differently for each person, depending on your situation.
Finally, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t inflate over time. They’ll also be looking into any violations by creditors using their experts in-house.
Some disadvantages to using CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with your credit card. So if you’re trying to build a better rating on your credit, this could cause you to delay getting rid of your debt.
CureDebt does not offer a mobile application. Although they have a website for clients but it’s old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more on these kinds of services. Additionally the 20% service cost is cheaper than most firms that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay when your debt is finally settled.
Although they’ll allow you to access an account to see your progress however, their website isn’t simple to navigate. CuraDebt does not have an app, which will make it easier to look at your performance.
They do have a good support team that you can contact them not just via email but also by phone or submitting an electronic ticket. Boulder County Senior Homeowner Tax Relief
If debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the services they offer are available in your state.
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FAQ Boulder County Senior Homeowner Tax Relief
How long does it take to complete the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help in the fight against state tax issues?
It is true that CuraDebt has a tax relief program to assist you with issues such as delinquent payroll tax issues and wage garnishments.
What do I need to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to lower your debt over time.
