Have your debts increased lately? Are you exhausted from trying various financial advice and strategies but still have unsolved issues?
Maybe you’re here because already tried everything.
In most cases, the most effective approach is to talk to experts who can help you settle this issue.
CuraDebt is among the most asked companies. Many people are asking if they are able to help or put you in more debt.
According to their clients they can assist you in managing 80% of your debt , so you can take couple of things off your plate.
But for some people the claims seem too good to be true.
If you’re looking for any solution that could help you resolve your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll take a deeper study of how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, you can go to this video if you prefer for it to be watched.
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 Monroe Township Williamstown Nj Senior Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. But they offer other services that will assist you in becoming financially secure.
First of all, it starts by requesting a no-cost online savings estimate. It is a completely private service and won’t be conducting a credit screening. By using this estimate of savings you’ll be able to discover more about other options in your journey to debt-free.
Savings estimates, which was mentioned previously, offers you an idea of your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to help you with credit arbitration in the event that you decide to enroll. Some financial advisors can help you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt is the one to handle all of your creditors’ calls. They’ll also be the ones who will negotiate what you will pay for your settlement based on the status of your finances. In determining which option is the most effectively to you, this could either be a lump sum settlement or a payment plan.
Furthermore, they will work with creditors to ensure that you get better rates when you transfer money into your savings account. This, is then processed to pay back the creditors. Their plans can help you settle the debt within 48 months.
After you’ve registered with them, they will provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts’ client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are some of the ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans credit cards and lines of credit. They are also able to pay off any remaining balance of business debt and collections or repossessions.
They can even help negotiate on tax owed and IRS debt. But, you won’t receive assistance for the majority cases, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations in order to get cash settlements, if possible. Certain violations may lead to having your debts also dismissed.
CuraDebt lets you pay off debts with less than the sum you have. You can also have questions answered during a free consult with their debt advisor.
The most appealing aspect of the program is that you’ll only pay the fees after your debt has been settled. All you have to do is sign up with any of the plans, and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they collect all of your financial documents, they will also collect all the necessary paperwork for tax returns.
Through this program, you will be able to deal with various tax issues such as wage garnishments and tax penalties, personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges either. They use only flat-fee pricing that is based on the amount you’ll have to pay.
There are a variety of options in paying off your 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 kind of debt can they help you with?
Although debt settlement is their specialization however, they do not provide all kinds of debt settlement. CuraDebt is only focused on loans that are not secured. They won’t be able to assist you if your loan or debt is linked to an actual item.
If, however, you are in the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able pay off tax debts that were due to be paid without any issues. Moreover, this type of service is offered across all 50 states, if you owe money towards the IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some instances, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. They can however assist private students in negotiating any student loans that they have to pay.
Personal Loan
Personal and payday loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. Only pay when you’ve paid each of your debts.
Additionally, they do not charge high costs either. On average, you’ll be required to pay between 20 and 20 percent of the debt you settled through them.
In general, this type of industry can charge anywhere between 15% and 25 percent.
In addition, customers can expect to settle their debt from two to four years. However, this also varies in relation to the amount you can save up per month.
Additionally, they claim that you could save up to 30% if you include their costs into your calculations.
However, the claim may depend on your situation. Some customers even claimed to save between 50% and 80%.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Additionally they charge only a 20% fee while the majority of companies charge 25%.
Next, if you’re done in the process of debt resolution, you could also sign up for their credit repair program.
It’s an excellent way to restore your credit without having to go into debt again. The program is however designed in a different way for each individual, depending on your situation.
Lastly, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also look into any creditor violations with the help of their in-house experts.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using . So if you’re trying to improve your standing on credit scores, you could cause you to delay getting rid of your obligations.
CureDebt also doesn’t have a mobile app available. While they have a website for clients but it’s outdated and basic. It’s not very intuitive and could be challenging to navigate.
Furthermore, they are not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to pay off your debts without spending more on those types of services. Additionally the 20% service charge is less expensive than the majority of companies that offer the 25% cost. There is no upfront payment, and you will only have to pay when the debt is settled.
Although they’ll allow you to access an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app yet, which could make it easier for you to monitor your progress.
However, they have a good support team that you can contact them not only through emails but by phone or by submitting an e-ticket. Monroe Township Williamstown Nj Senior Tax Relief
If debt is a big problem, then we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ Monroe Township Williamstown Nj Senior Tax Relief
What is the time frame to complete the course?
The typical program lasts from 24 to 48 months, depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt has a tax relief program that can aid you in dealing with problems such as late payroll tax and wage garnishments.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to reduce your debt over time.
