Has your debt increased lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, your most effective approach is to talk to professionals that can help to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. Many people have been inquiring whether they can assist you or put you in more debt.
According to their customers, they can help you manage 80% of your debts so that you can take couple of things off your shoulders.
For some the claims seem too good to be true.
Suppose you’re on the lookout for anything that can aid you in settling your debt. In that situation, 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 can help you solve.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before you begin the review, you can watch this video instead in case you would prefer to watch 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 our article for a more comprehensive review.
About the Company Josephine County, Or Tax Relief For Senior, Disbled, And Low Income Property Owners
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. However, they also offer other services that will help you be more financially secure.
The process starts by requesting a no-cost savings estimate online. This service is very confidential and they will not conduct a credit inquiry. With this savings estimate you’ll be able to learn more about your options to be debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you with your debt-free journey.
Following the debt settlement program is completed, CuraDebt is the one to handle all of the calls from your creditors. They’ll be the ones who will negotiate conditions of the settlement depending on the condition of your financial situation. Based on what works best your situation, the payment can be either a lump sum settlement or the option of a payment plan.
Furthermore they will work with lenders to help you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay off the creditors. Their programs can assist you to get rid of debt in just two years.
After you’ve registered with them, they will provide you with access to your data 24/7. All you need to do is sign in to CuraDebts’ client portal to monitor your development.
Before you can avail of their program, you’ll need to pass their requirements first. For eligibility, you’ll have to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you?
Here are the various ways CuraDebt can aid you.
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf for the majority of types of debt. They can help with medical bills, personal loans credit cards and line of credit. They can also be approached to pay off any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating for back taxes as well as IRS debt. However, you won’t get assistance with the majority of your lawsuits, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they can assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation so that you can have cash settlements, if they are possible. Certain violations may cause your debt to be dismissed as well.
CuraDebt lets you repay debt for less than the amount you have. Additionally, you can have questions answered during a free meeting with their debt counsellor.
The most appealing aspect of their program is that you only pay the fees once your debt is settled. All you need to sign up to one of their plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial documentation They will also gather all the necessary paperwork for tax returns.
By using this program, you will be able to deal with various tax issues such as wage garnishments as well as tax penalties for personal and business taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges either. They use only flat-fee pricing, which depends on the amount that you’ll need to settle.
They offer different options for settling the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What types of debt can they assist you with?
Although debt settlement is their forte, they don’t provide all kinds of debt settlement. CuraDebt only focuses on unsecured debt. They won’t be able to assist you if your debt or loan is tied to an actual item.
However, if you have the following types of debt, they’ll negotiate settlements on your behalf.
With CuraDebt the service, you’ll be able to pay tax debts that were due to be paid without difficulty. Additionally, this service is offered across all 50 states, if you have a debt in arrears to IRS. They have federal tax experts that can help you resolve the issues.
CuraDebt will also help you resolve your medical debt. In some instances you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. Still, they can help private students with negotiating the student loans they owe.
Personal and payday loans are also eligible to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, as well as private label credit card, CuraDebt can assist you in paying it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. The only time you pay is when you settle each of your outstanding debts.
Also, they do not charge high fees as well. On average, you’ll be required to pay up to 20% of the debt you settled through 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 two to four years. However, this also varies according to the amount you save per month.
Additionally, they claim you can save up to 30% if you include their costs into your calculations.
However, the claim may depend on the situation. Some customers have even talked about saving between 50% and 80percent.
Benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can offer you Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. In addition, they only charge a 20% fee while the majority of companies charge 25%.
If you’re finished with the debt settlement program you could join their credit repair program.
It’s an excellent method to improve your credit without having to go into debt again. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t increase over time. They’ll also look into any violations of creditor with the help of their experts in-house.
Drawbacks of using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt relief and debt settlements often require you to stop paying with the credit card you use. If you’re trying to build a better standing on credit scores, you may delay you from working on your obligations.
CureDebt also doesn’t offer a mobile application. Although they have a client website but it’s old and mundane. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more on these kinds of services. Moreover their 20% service cost is cheaper than most companies that offer a 25% fee. There is no upfront payment, and you will only have to pay the fee when the debt is paid off.
While they’ll provide you with an account to see your progress however, their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which would make it easier to monitor your performance.
However, they have a good support team and can be reached them not just via email but also by phone or making an e-ticket. Josephine County, Or Tax Relief For Senior, Disbled, And Low Income Property Owners
If the credit card is a major problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the services that they provide are offered in your state.
FAQ Josephine County, Or Tax Relief For Senior, Disbled, And Low Income Property Owners
How long does it take to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt provides tax relief programs to help you with problems like delinquent taxes and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and pay the required payments to pay down your debt over time.