Are you experiencing debt that has increased lately? Are you burnt out from trying other financial tips and advice but haven’t solved your problems?
Maybe you’re here because tried everything.
In most cases, the most effective approach is to talk to experts who can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can help you or put you into more debt.
According to their clients they can assist you in managing the majority of your debts so that you can take few things off of your shoulders.
For some 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 situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its benefits and drawbacks.
Before beginning 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 check out 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 Homesetead Property Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. But they offer other services that will aid you in becoming more financially secure.
It all begins by requesting a free savings estimate on the internet. The service is completely confidential, and they won’t be doing a credit check. With this savings estimate, you will be able to learn more about the other options in your journey towards debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your choices regardless of whether or not 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 sign up. Financial advisors may be able to assist you on your path to debt-free living.
After your debt settlement plan, CuraDebt can be the one to answer all of your creditor’s calls. They’ll also be the ones that will determine conditions of the settlement based on the status of your financial situation. Based on what works most effectively to you, this could be a lump-sum settlement or an installment plan.
Moreover, they will work with lenders to help you enjoy better rates when you make deposits to 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 signed up with them, they’ll allow you access to your account information 24 hours a day. All you have to do is login to CuraDebts Client Portal so that you can 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. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they help you?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf to settle all kinds of debt. They can help with medical bills, personal loans credit cards and line of credit. You can also approach them to pay off any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate for back taxes as well as IRS debt. But, you won’t receive assistance for the majority of your lawsuits, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors in order to get cash settlements, should it be possible. Some violations can also cause your debt to be dismissed as well.
CuraDebt also allows you to repay debt for less than the amount you have. They also allow you to ask questions during their free consult with their debt counsellor.
The greatest benefit of the program is that you only pay the fees once your debt is settled. All you have to sign up for one of their plans, and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents They will also gather all the paperwork you’ll need for tax returns.
By using this program, you should be able to resolve various tax issues such as garnishments on wages, tax penalties, personal and business taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They have different solutions in the settlement of 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 they specialize in debt settlement, it is not their specialization however, they do not cater to all types in debt resolution. CuraDebt is only focused on loans that are not secured. They aren’t able to help you if the debt or loan is tied to an item that is physical.
If you do have the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay taxes that are due without difficulty. Furthermore, this service is available to all 50 states if you owe money 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 certain cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students in negotiating any loans they owe.
Personal Loan
Payday loans and personal 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 have obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. You’ll only pay once you’ve paid each of your debts.
They also don’t have high-cost fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt that you settled through them.
In the average, this kind of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to pay off their debts in two to four years. This varies according to the amount you save per month.
Also, they claim that you can save up to 30% by incorporating their costs into your calculations.
However, this statement will vary, depending on your situation. Some customers have even talked about saving between 50% and 80percent.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt will only charge you when you’ve paid off your debt. Additionally, they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done in the process of debt resolution you could join their credit restoration program.
It’s an excellent way to restore your credit score without having to go into debt again. However, the program lasts different for every person, depending on your situation.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. So, your debt won’t increase over time. They’ll also investigate any violations by creditors with the help of their experts in-house.
The drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop paying with the credit card you use. So if you’re trying to improve your credit score, it might set you back while you’re finishing your credit card debt.
CureDebt doesn’t even offer a mobile application. While they do have a client website however, it appears aged and simple. It’s not very user-friendly, and can be challenging 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 good program that allows you to pay off your debts without spending more for these types of services. Additionally their 20% service fee is cheaper than most businesses that charge the 25% cost. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account to see your progress, their website is not user-friendly. CuraDebt does not have an app that could make it easier for you to monitor your progress.
But, they do have a good support team that you can contact them not only through emails but by phone or by sending an electronic ticket. Homesetead Property Tax Relief
If problem of debt is an problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Homesetead Property Tax Relief
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt assist in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief that will assist you with issues like delinquent tax and wage garnishments.
What should I do after joining the program?
You’ll be required to communicate with the team and pay the required payments to lower the amount of debt you have over time.
