Has your debt increased lately? Are you burnt out from trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In most cases, the best option is to speak with professionals that can help you resolve the 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 clients, they can help you control 80% of your debt , so you are able to take couple of things off your shoulders.
However, for certain people, these claims are just 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 situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of the way CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude we’ll look at 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 go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company New York State Property Tax Relief Checks 2021
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is the most popular feature. They also provide additional services to help you be more financially stable.
The process starts by requesting a no-cost online savings estimate. This service is very confidential, and they won’t be doing a credit check. By using this estimate of savings, you will discover more about other options in your journey towards debt-free.
Savings estimates, as we’ve mentioned previously, offers you an idea of your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to help you with the process of credit arbitration should you choose to join. Financial advisors may be able to assist you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to answer all of your creditors’ calls. They will be the ones who will negotiate conditions of the payment in accordance with the state of your finances. In determining which option is the best for you, it can either be a lump sum settlement or the option of a payment plan.
Additionally, they will be working with lenders to help you enjoy better rates when you deposit money to your savings account, which in turn, will be processed to pay back the creditors. Their plans can help you get rid of debt in just 48 months.
After you’ve signed up with them, they will 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 monitor your performance.
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to be:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can assist you.
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf for the majority of types of debt. They can help with personal loans, medical bills, credit cards and lines of credit. You can also approach them to pay off any remaining balance on business debt and collections or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive support for most claims, 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 to ensure that you receive cash settlements, if they are possible. Certain violations could cause your debt to be also dismissed.
CuraDebt also allows you to settle debt with less than the amount you own. You can also have questions answered during a free consult with their debt advisor.
The best part about their plan is that you will only pay the fees after your debt has been settled. All you need to sign up for any of the plans and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. Once they’ve gathered all your financial records and tax documents, they’ll also collect all the necessary paperwork for tax returns.
Through this program, you should be able to solve the various types of tax problems like wage garnishments, tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees neither are there hidden fees. They only offer flat-fee prices, which depends on the amount that you’ll must settle.
They have different solutions when it comes to paying off the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
What kinds of debts are they able to help with?
While debt settlement is their forte however, they do not offer all kinds of settlement. CuraDebt is only focused on debt that is not secured. They won’t be able to help you if your credit or loan is tied to a physical item.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
With CuraDebt the service, you’ll be able to settle taxes that are due without any issues. Additionally, this service is offered to all 50 states if you have a debt towards the IRS. They have federal tax experts that can help you resolve these types of issues.
CuraDebt can also assist in settling the medical bills. In certain cases, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students in negotiating the student loans they have to pay.
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 have 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 will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge an upfront fee. Only pay when you’ve paid each of your debts.
Also, they don’t charge high charges either. On average, you’ll be required to pay between 20 and 20% of the debt you settled with them.
In general, this type of business can cost anywhere between 15% and 25%.
In addition, customers can expect to settle their debts within 2 to 4 years. However, this also varies depending on the amount that you can save up per month.
They also claim you can save as much as 30% by incorporating their costs into your calculations.
But this claim will also vary, depending on your situation. Some customers even claimed to save 50 to 80percent.
Benefits of using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s explore the benefits from using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Additionally, they only charge an amount of 20%, while many companies charge 25 percent.
Then, if you’re done with the debt settlement program, you can enroll in their credit repair program.
It’s an excellent method to improve the credit rating without having to go in debt again. However, the program runs in a different way for each individual according to your personal situation.
Lastly, CureDebt looks into your credit to assist with settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also be looking into any creditor violations with the help of their own experts.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with the credit card you use. If you’re trying to improve your rating on your credit, this may delay you from finishing your debt.
CureDebt does not offer a mobile application. Although they have a website for clients however, it appears old and mundane. It’s not very user-friendly, and can be challenging to navigate.
In addition, they’re not accredited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more for these types of services. In addition the 20% service charge is less expensive than the majority of businesses that charge an additional 25% charge. There aren’t any upfront fees 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 however, their website isn’t easy to navigate. CuraDebt does not have an app yet, which will make it easier to track your progression.
They do have a great support team that you can contact them, not only via emails but also by phone or sending an e-ticket. New York State Property Tax Relief Checks 2021
If credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they offer are available in your state.
FAQ New York State Property Tax Relief Checks 2021
How long does it take to complete the course?
The program typically takes 24 to 48 months, depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program that can assist you with issues like delinquent tax issues and wage garnishments.
What’s the first thing I have to do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce the amount of debt you have over time.