Has your debt been increasing lately? Are you tired of trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve already tried everything.
In the majority of cases, the most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is among the most asked companies. A lot of customers have asked if they can help you or put you into more debt.
According to their clients they can help you control 80percent of your debts so that you can finally take a couple of things off your shoulders.
However, for certain people the claims seem too good to be true.
Suppose you’re on the lookout for something that will help you resolve your debt. If that’s the scenario, CuraDebt will mostly be suggested by people. We’ll take a deeper look at the way CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin the review, check out this video instead in case you would prefer watching 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 review. Afterward, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Does Michigan Have Property Tax Relief For Seniors
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide other services that will aid you in becoming more financially stable.
First of all, it begins with requesting a free savings estimate on the internet. The service is completely confidential, and they won’t conduct a credit inquiry. With this savings estimate you’ll be able to learn more about the alternatives to debt-free.
The savings estimate, as mentioned before, gives you the opportunity to consider your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the agency to take care of all your creditors’ calls. They will also be the ones who determine the terms of your settlement in accordance with the state of your financial situation. Depending on which works best for you, it could either be a lump sum settlement or a payment plan.
Additionally they will work with creditors to ensure that you enjoy better rates when you make deposits to your savings account, which is then processed to pay back the creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they will give you access to your information 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 their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They can negotiate settlements on your behalf for all kinds of debt. They can help with medical bills, personal loans credit cards, and lines of credit. You can also approach them to settle any outstanding amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating for 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. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if they are possible. Some violations can also result in having your debts dismissed as well.
CuraDebt also allows you to repay debt for less than the amount you have. They also allow you to inquire about your debt during their no-cost consult with their debt counsellor.
The most appealing aspect of the program is that you will only be charged when your debt is paid off. All you need to sign up for one of their plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. After they have gathered all your financial documents and tax documents, they’ll also collect all the necessary paperwork to file tax returns.
With this program, you should be able to solve the various types of tax problems like wage garnishments, tax penalties, personal and business taxes, back taxes and trust fund penalties and tax lien.
There aren’t hidden fees neither are there hidden fees. They use only flat-fee pricing and is dependent on the amount that you’ll need to settle.
They offer different options in the settlement of taxes. Here are 6 options:
- 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 are they able to help with?
Although debt settlement is their specialization but they aren’t able to provide all kinds of debt settlement. CuraDebt only focuses on loans that are not secured. They won’t be able to help you if the debt or loan is tied to an item that is physical.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without difficulty. Furthermore, this service is accessible to all 50 states if you have a debt to the IRS. There are tax experts from the federal government to assist you with these kinds of problems.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases, you may even pay them less than the amount you are owed.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students with negotiating any student loans that they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you got from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt will help you pay it off.
What is the cost?
The best part about CuraDebt is how they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your debts.
Additionally, they do not charge high fees as well. In the average, you’ll need to pay as much as 20 percent of the debt that you settled through them.
In the average, this kind of business can cost anywhere between 15% and 25 percentage.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. But, it also differs in relation to the amount you are able to save each month.
Additionally, they claim that you can save up to 30% if you include their costs into your calculations.
However, this statement will differ based on your specific situation. Some customers even claimed to save 50% to up to 80%.
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The benefits of using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. In addition they only charge an amount of 20%, while many companies charge 25 percent.
Then, if you’re done with the debt settlement program you may enroll in their credit restoration program.
It’s a great option to rebuild your credit score without having to go into debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any violations by creditors with the help of their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with . Therefore, if you’re trying increase your standing on credit scores, you could cause you to delay working on your credit card debt.
CureDebt doesn’t even have a mobile app. While they have a website for clients but it’s aged and simple. It’s not very intuitive, and it can be challenging to navigate.
Furthermore, they are not recognized by their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on those types of services. Additionally, their 20% service charge is less expensive than the majority of companies that offer the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account so that you can track your progress, their website is not simple to navigate. CuraDebt isn’t even an app, which will make it easier to monitor your progress.
They do have a competent support staff and can be reached them not just via email but also by phone or making an electronic ticket. Does Michigan Have Property Tax Relief For Seniors
If your debt is a big problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they provide are in your area.
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FAQ Does Michigan Have Property Tax Relief For Seniors
How long does it take to complete the course?
The average program is 24 to 48 months, depending on the amount of your debt as well as the agreed settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program to aid you in dealing with problems such as late payroll taxes 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 pay down your debt over time.
