Are you experiencing debt that has been increasing lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried everything.
In the majority of cases, your best way is to approach professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of people are asking if they can help you or help you get into more debt.
According to their customers, they can help you control the majority of your debt , so you are able to take couple of w
orries off your mind.
But for some people the claims seem too good to be true.
If you’re looking for anything that can aid you in settling your debt. In this scenario, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of 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 starting the review, go to this video in case you would prefer to watch it.
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 our article for a more comprehensive review.
About the Company New York State Family Relief Tax Credit
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 with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer additional services to help you be more financially stable.
It all begins with requesting a free online savings estimate. This service is very confidential, and they won’t be doing a credit check. With this savings estimate you’ll be able to learn more about your options to debt-free.
This estimate of savings, as mentioned before, gives you an insight into your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to help you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following your debt settlement program is completed, CuraDebt is the company to handle all of the calls from your creditors. They will also be the ones who will determine the terms of your payment depending on the condition of your finances. Based on what works most effectively your situation, the payment can be either a lump sum settlement or the option of a payment plan.
Furthermore they will be working with creditors to ensure that you have better rates as you transfer money into your savings account, which is then processed to pay off the creditors. The plans they offer can help you get rid of debt in just two years.
After you’ve registered with them, they’ll give you 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 benefit from the program, you’ll have to satisfy their criteria first. To be eligible, you’ll need to be:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the various ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with debt. They can negotiate settlements on behalf of you for most types of debt. This includes medical bills, personal loans credit cards, and loans. They can also be approached to settle any outstanding balance of business debt and collections or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you won’t get support for most claims, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt can also help you settle debt with less than the amount you have. Additionally, you can ask questions during their free meeting with their debt advisor.
The most appealing aspect of the program is that you will only pay the fees when your debt is paid off. All you have to do is sign up with one of their plans and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial records, they will also collect all the necessary paperwork for tax returns.
By using this program, you will be able to resolve different types of taxes like garnishments on wages and tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They use only flat-fee pricing that is based on the amount you have to pay.
They have different solutions when it comes to the settlement of your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kind of debt can they assist you with?
While debt settlement is their forte however, they do not provide all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They aren’t able to help you if the debt or loan is tied to an actual item.
If, however, you are in one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle your past-due tax debts without any problems. Moreover, this type of service is accessible across all 50 states, if you have a debt in arrears to 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 might even be able to pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. They can however assist private students in negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, or private label credit cards CuraDebt can assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt is the way the company has priced its services. They do not charge an upfront cost. Only pay when you settle each of your outstanding debts.
Additionally, they don’t charge high costs either. On average, you’ll have to pay up to 20 percent of the debt that you settled through them.
In general, this type of industry can charge anywhere from 15% to 25%.
Moreover, clients can expect to pay off their debts in two to four years. This varies according to the amount you can save up per month.
Additionally, they claim you can save up to 30% when you factor in their charges into your calculation.
However, this statement will depend on the situation. Some clients even mentioned saving between 50% and up to 80%.
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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 that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Additionally, they only charge an amount of 20%, 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 great method to improve your credit score without having to go back into debt. The program is however designed in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your financial obligations to help with settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also be looking into any violations of creditor with the help of their in-house experts.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with the credit card you use. So if you’re trying to build a better rating on your credit, this might cause you to delay working on your obligations.
CureDebt also doesn’t have a mobile app. While they do have a website for clients but it’s aged and simple. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not credited with their Better Business Bureau although they received an A+ grade.
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. Additionally their 20% service charge is less expensive than the majority of companies that offer an additional 25% charge. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt isn’t even an app that would make it easier to monitor your progress.
They do have a great support team and can be reached them, not only via emails but also by phone or sending an electronic ticket. New York State Family Relief Tax Credit
If your debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they provide are in your state.
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FAQ New York State Family Relief Tax Credit
How long will 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 the agreed settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt provides tax relief programs that will help you with problems like delinquent 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.
