Has your debt been increasing lately? Are you burnt out from trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried every thing.
In most cases, the best option is to speak with experts who can help you settle this issue.
CuraDebt is among the most asked companies. A lot of customers have asked if they can assist you or put you into more debt.
According to their clients, they can help you control the majority of your debts so that you are able to take few things off of your plate.
However, for certain people, these claims are just too good to be true.
Suppose you’re on the lookout for something that will help you resolve your debt. In this case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of the way CuraDebt works and what problems it can solve for you.
Moreover, before we end our discussion, we’ll take a look at its benefits and drawbacks.
Before you begin the review, you can go to this video if you prefer for it to be watched.
Otherwise, let’s begin.
Before you go on, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company New York State 2021 Property Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide other services that can aid you in becoming more financially secure.
First of all, it begins by requesting a free savings estimate on the internet. This service is very confidential and they will not be doing a credit check. By using this estimate of savings you’ll be able to discover more about other options in your journey to debt-free.
The savings estimate, which was mentioned before, gives you the opportunity to consider your options, regardless of whether 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 if you decide to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt can be the company to answer all of your creditors’ calls. They’ll also be the ones who determine what you will pay for your repayment based on the status of your finances. Based on what works best for you, it could be a lump-sum settlement or an installment plan.
Moreover they will be working with the creditors so that you can have better rates as you make deposits to your savings account. This, in turn, will be processed to pay the creditors. Their plans can help you pay off the debt in the period of 48 months.
After you’ve registered with them, they’ll give you access to your information 24/7. All you need 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 meet their eligibility requirements first. To be eligible, you’ll need to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans, credit cards and loans. They can also be approached to settle any outstanding amount on business debts and collections or repossessions.
They can even help negotiate with back taxes and 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 will 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 to ensure that you receive cash settlements, if possible. Certain violations could result in having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the amount you have. They also allow you to have questions answered during a free consult with their debt counsellor.
The most appealing aspect of the program is that you will only be charged after your debt has been settled. All you have to sign up to some of their programs, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
With this program, you’ll be able to resolve different types of taxes like wage garnishments and tax penalties, personal and business taxes as well as back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing that is based on the amount you’ll have to pay.
They offer different options when it comes to paying off 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 types of debt can they assist you with?
While debt settlement is their forte however, they do not cater to all types of settlement. CuraDebt concentrates on debt that is not secured. They won’t be able to help you if the loan or debt is linked to a physical item.
If, however, you are in the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without difficulty. Moreover, this type of service is offered across all 50 states, if you have a debt towards the IRS. There are tax experts from the federal government that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students in negotiating any student loans that they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. You can also avail if you have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards CuraDebt can assist you in paying it off.
How much will it cost?
The best part about CuraDebt is how they’ve priced their services. They don’t charge an upfront fee. Only pay when you settle each of your debts.
Additionally, they do not charge high charges either. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
In general, this type of industry can charge anywhere from 15% to 25%.
In addition, customers can expect to settle their debt from two to four years. But, it also differs depending on the amount that you can save up per month.
Also, they claim that you could save as much as 30% if you include their fees in your equation.
But this claim will also vary, depending on the situation. Some customers have even talked about saving 50 to 80percent.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. In addition they charge only an amount of 20%, while many companies charge 25 percent.
Next, if you’re done by the program for debt relief, you can join their credit restoration program.
It’s a great way to restore the credit rating without having to go back into debt. However, the program runs differently for each person, depending on your situation.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any violations of creditor with the help of their in-house experts.
Drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with . So if you’re trying to increase your rating on your credit, this may delay you from finishing your debt.
CureDebt also doesn’t offer a mobile application. While they have a website for clients, it looks aged and simple. It’s not very intuitive, and it can be challenging to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more for these types of services. Additionally their 20% service charge 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 your debt is finally settled.
While they’ll provide you with an account to see your progress but their website isn’t user-friendly. CuraDebt does not have an app yet, which could make it easier for you to monitor your progress.
They do have a great support team that you can contact them not just via email but also by phone or making an electronic ticket. New York State 2021 Property Tax Relief
If debt is a big issue right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they provide are in your state.
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FAQ New York State 2021 Property Tax Relief
How long will it take to complete the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt has a tax relief program to help you with problems such as delinquent payroll tax and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce your debt over time.
