Are you experiencing debt that has been piling up lately? Are you tired of trying other financial advice and strategies but still have unsolved issues?
Maybe you’re here because been through every thing.
In most cases, the best option is to speak with experts who can assist to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can help you or help you get into more debt.
According to their clients, they can help you manage 80% of your debt , so you are able to take few things off of your mind.
But for some people the claims seem too good to be true.
You might be looking for any solution that could assist you in paying off your debt. If that’s the scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep look at the way CuraDebt is used and the problems it could help solve.
Moreover, before we end we’ll look at its benefits and drawbacks.
Before you begin the review, go to this video for a more relaxing way to watch 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 will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Is There A Tax Relief Plan For Seniors In Pennsylvania For Property Tax
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. However, they also offer additional services to aid you in becoming more financially stable.
It all begins by requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this estimate of savings you’ll be able to discover more about other options in your journey to debt-free.
Savings estimates, as we’ve mentioned previously, offers you an idea of your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement plan, CuraDebt will be the company to take care of all the calls from your creditors. They will be the ones who determine conditions of the payment in accordance with the state of your financial situation. Depending on which works most effectively to you, this could either be a lump sum settlement or an installment plan.
Furthermore they will also work with creditors to ensure that you enjoy better rates when you transfer money into your savings account, which is then processed to pay the creditors. Their programs can assist you to pay off the debt in two years.
After you’ve signed up with them, they will give you access to your information 24/7. All you need to do is sign in to CuraDebts the client portal to monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can aid you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf to settle all kinds of debt. This includes medical bills, personal loans credit cards, as well as line of credit. You can also approach them to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority claims, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the contrary, they’ll help you use 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, if they are possible. Some violations can also result in having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you own. You can also inquire about your debt during their no-cost consultation with their debt counsellor.
The best part about the program is that you only have to pay for the charges when your debt is paid off. All you have to sign up for any of the plans, and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial documents, they will also collect all the documents you’ll require for tax returns.
Through this program, you will be able to resolve various tax issues such as garnishments on wages and tax penalties, personal and business taxes and back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They only offer flat-fee prices that is based on the amount you need to settle.
They have different solutions when it comes to paying off taxes. 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 kind of debt can they assist you with?
While debt settlement is their specialization, they don’t cater to all types of settlement. CuraDebt only focuses on loans that are not secured. They can’t help you if the credit or loan is tied to an actual item.
If you do have one of the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off tax debts that were due to be paid without any issues. Moreover, this type of service is available to all 50 states in the event that you have a debt towards the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students negotiate the student loans they owe.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You may also be eligible of the program if you also have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card CuraDebt can help you pay it off.
What will it cost you?
The best part about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. You’ll only pay once you have paid off all of your outstanding debts.
They also do not charge high fees as well. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
In general, this type of business can cost anywhere between 15% and 25%.
In addition, customers can expect to pay off their debts in between 2 and 4 years. This varies depending on the amount that you save per month.
They also claim you can save as much as 30% by incorporating their charges into your calculation.
However, this statement will vary, depending on the situation. Some clients even mentioned saving 50% to 80%.
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Benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. Additionally they only charge a 20% fee while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program, you could also sign up for their credit restoration program.
It’s a fantastic way to restore your credit score without having to go in debt again. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. This means your debt won’t increase over time. They’ll also look into any creditor violations with the assistance of their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with the credit card you use. Therefore, if you’re trying increase your standing on credit scores, you could set you back while you’re getting rid of your debt.
CureDebt also doesn’t have a mobile app available. While they do have a website that clients can access, it looks aged and simple. It’s not very intuitive and could be difficult to navigate.
In addition, they’re not accredited with their Better Business Bureau although they received 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. Additionally the 20% service fee is cheaper than most firms that charge an additional 25% charge. There aren’t any upfront fees, and you will 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, their website is not easy to navigate. CuraDebt does not have an app, which would make it easier to monitor your performance.
But, they do have a competent support staff and can be reached them, not only via emails but also via phone or submitting an electronic ticket. Is There A Tax Relief Plan For Seniors In Pennsylvania For Property Tax
If the debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the programs they provide are in your state.
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FAQ Is There A Tax Relief Plan For Seniors In Pennsylvania For Property Tax
How long will it take to complete the course?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt offers a program for tax relief to aid you in dealing with problems such as late payroll tax and wage garnishments.
What do I need to do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to pay down your debt over time.
