Have your debts increased lately? Are you tired of trying other financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried 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. A lot of customers have asked if they can help you or help you get into more debt.
According to their customers, they can help you control 80% of your debt so that you can take few things off of your plate.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. If that’s the case, CuraDebt will mostly be recommended by people. We’ll take a deeper look at how CuraDebt works and what problems it could help solve.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, watch this video instead in case you would prefer watching 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. Afterward, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company New Jersey’S Property Tax Relief Programs
CuraDebt is a debt relief company from 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 with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is the most well-known feature. But they offer other services that will help you be more financially secure.
First of all, it begins by requesting a free savings estimate online. The service is completely confidential and they will not 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 be debt-free.
Savings estimates, as we’ve mentioned previously, offers you the opportunity to consider your choices regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration if you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt will be the agency to answer all of the calls from your creditors. They will be the ones who will negotiate the terms of your repayment depending on the condition of your financial situation. In determining which option is the most effectively to you, this can be a lump-sum settlement or the option of a payment plan.
Moreover they will work with creditors so that you can have better rates as you make deposits to your savings account. This in turn, will be processed to pay creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve registered with them, they’ll allow you access to your account information 24 hours a day. All you have to do is sign in to CuraDebts the client portal to track your development.
Before you can avail of their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can aid you.
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on behalf of you for the majority of types of debt. They can help with medical bills, personal loans credit cards as well as loans. You can also approach them to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. However, you won’t get assistance for the majority of your lawsuits, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying debtors who are in violation so that you can have cash settlements, if possible. Some violations can also result in having your debts removed as well.
CuraDebt also allows you to settle debt with less than the amount you own. You can also ask questions during their free consultation with their debt advisor.
The greatest benefit of their plan is that you only pay the fees once your debt is settled. All you have to do is sign up with some of their programs, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documentation, they will also collect all the necessary paperwork to file tax returns.
By using this program, you’ll be able to resolve the various types of tax problems such as wage garnishments, tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They only offer flat-fee prices, which depends on the amount that you’ll must settle.
They offer different options in settling 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
What kind of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty but they aren’t able to cater to all types of settlement. CuraDebt concentrates on debt that is not secured. They can’t assist you if your debt or loan is tied to a physical item.
If you do have one of the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt it is expected that you will be able pay off your past-due tax debts without any issues. Additionally, this service is available to all 50 states if you have a debt in arrears to IRS. They have federal tax experts to assist you with these types of issues.
CuraDebt can also help resolve your medical debt. In some cases you could even settle them for less than what you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students with negotiating the student loans they have to pay.
Personal and payday loans also qualify as debt-settling programs. You may also be eligible the program if you have other unsecure credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
What will it cost you?
The greatest thing about CuraDebt is how they’ve priced their services. They don’t charge upfront fees. Only pay when you settle each of your debts.
Additionally, they do not charge high costs either. On average, you’ll have to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15 and 25 percent.
Moreover, clients can expect to settle their debt from 2 to 4 years. This varies depending on the amount that you save per month.
They also claim that you could save up to 30% by incorporating their costs into your calculations.
But this claim will also differ based on your specific situation. Some customers even claimed to save between 50% and 80percent.
Advantages to using CuraDebt
Now that you have an idea of what CuraDebt can offer you Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. In addition they only charge 20% of the cost, whereas most companies charge you 25 percent.
Next, if you’re done by the program for debt relief, you could join their credit repair program.
It’s an excellent method to improve the credit rating without having to go into debt again. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also look into any violations by creditors using their in-house experts.
The drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt relief and debt settlements usually require that you stop making payments using the credit card you use. If you’re trying to improve your credit score, it might set you back while you’re working on your obligations.
CureDebt also doesn’t offer a mobile application. Although they have a website for clients however, it appears old and mundane. It’s not very intuitive and could be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more for these types of services. Moreover, their 20% service fee is lower than many companies that offer a 25% fee. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app, 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 also by phone or making an e-ticket. New Jersey’S Property Tax Relief Programs
If your debt is a big issue right now, we highly recommend CuraDebt’s program. Just make sure that you’re qualified and that the services they provide are in your state.
FAQ New Jersey’S Property Tax Relief Programs
What is the time frame to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt and the stipulated settlement.
Can CuraDebt aid in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief that can assist you with issues such as late payroll taxes and wage garnishments.
What’s the first thing I have to do after joining the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce your debt over time.