Has your debt been piling up lately? Are you burnt out from trying various financial tips and advice but haven’t solved your problems?
Maybe you’re here because been through everything.
In most cases, the best way is to approach professionals that can help you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they can help you or put you in more debt.
According to their customers, they can help you control the majority of your debt , so you can take couple of things off your plate.
For some the claims seem too good to be true.
You might be looking for anything that can help you resolve your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of the way CuraDebt works and what problems it can solve for you.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can check out this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Calif Senior And Disabled Property Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is CuraDebt’s most well-known feature. However, they also offer other services that can aid you in becoming more financially secure.
The process begins by requesting a free savings estimate on the internet. This service is very confidential and won’t be conducting a credit screening. By using this estimate of savings you’ll be able to learn more about your options to debt-free.
This estimate of savings, as mentioned previously, offers you the opportunity to consider your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you in navigating the process of credit arbitration should you choose to join. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt can be the agency to handle all of your creditor’s calls. They will also be the ones that will negotiate conditions of the payment in accordance with the state of your finances. Based on what works most effectively to you, this can either be a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with the lenders to help you enjoy better rates when you make deposits to your savings account, which is then processed to pay back creditors. The plans they offer can help you get rid of debt in just two years.
Once you’ve signed up with them, they’ll give you access to your information 24/7. All you have to do is login to CuraDebts Client Portal to monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They can negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans credit cards and loans. You can also approach them to pay off any remaining amount on business debts, collections, or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. However, you will not receive assistance for the majority claims, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt can also help you pay off debts with less than the amount you have. Additionally, you can have questions answered during a free meeting with their debt advisor.
The best part about their program is that you only have to pay for the charges after your debt has been settled. All you have to sign up for one of their plans and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial documentation and tax documents, they’ll also collect all the documents you’ll require for tax returns.
Through this program, you will be able to deal with different types of taxes like wage garnishments and tax penalties, personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees neither are there hidden fees. They only use flat-fee pricing, which depends on the amount you need to settle.
They offer different options for settling the tax debt. 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 can they assist you with?
While debt settlement is their specialty but they aren’t able to cater to all types in debt resolution. CuraDebt only focuses on loans that are not secured. They can’t help you if the loan or debt is linked to an actual item.
If, however, you are in 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 tax debts that were due to be paid without any issues. Additionally, this service is accessible to all 50 states in the event that you owe money to the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some cases you could even settle them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students negotiate any student loans that they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You may also be eligible if you have other unsecured credit lines that you got from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards as well as private label credit card, CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you settle each of your outstanding debts.
Also, they do not charge high charges either. On average, you’ll be required to pay between 20 and 20% of the debt you settled with them.
In general, this type of industry charges between 15 and 25 percent.
In addition, customers can expect to settle their debts within between 2 and 4 years. But, it also differs according to the amount you save per month.
They also claim that you can save as much as 30% if you include their fees in your equation.
However, the claim may vary, depending on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
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Benefits of using CuraDebt
Now that you have a clearer picture 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 an amount of 20%, while most companies charge you 25%.
Then, if you’re done by the program for debt relief, you could enroll in their credit repair program.
It’s a fantastic way to restore your credit without going into debt again. The program is however designed different for every person, depending on your situation.
In the end, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also look into any violations of creditor with the help of their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you stop making payments using . If you’re trying to improve your standing on credit scores, you might set you back while you’re getting rid of your credit card debt.
CureDebt doesn’t even have a mobile app. While they do have a client website but it’s outdated and basic. It’s not particularly intuitive and could be challenging to navigate.
Moreover, they are still not accredited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on those types of services. Moreover their 20% service cost is cheaper than most firms that charge a 25% fee. There aren’t any upfront fees and you’ll only be required to pay once 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 user-friendly. CuraDebt also doesn’t have an app yet, which could make it easier for you to monitor your performance.
However, they have a good support team that you can contact them not only through emails but by phone or by making an electronic ticket. Calif Senior And Disabled Property Tax Relief
If the debt is a big problem right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the services they offer are available in your area.
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FAQ Calif Senior And Disabled Property Tax Relief
How long does it take to finish the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as the stipulated settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt offers a program for tax relief to help you with problems such as late payroll taxes and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to reduce the amount of debt you have over time.
