Have your debts increased lately? Are you burnt out from trying various financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried everything.
In most cases, the best option is to speak with 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 are able to help or put you into more debt.
According to their customers, they can assist you in managing 80% of your debt , so you can take couple of w
orries off your plate.
However, for certain people they believe these claims are too good to be true.
If you’re looking for anything that can aid you in settling your debt. In this case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep look at how CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before you begin the review, you can check out this video instead in case you would 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 overview. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company New York State Tax Debt Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. However, they also offer additional services to help you be more financially secure.
The process begins by requesting a free online savings estimate. This service is very confidential and won’t be doing a credit check. With this estimate of savings you’ll be able to discover more about alternatives to be debt-free.
The savings estimate, which was mentioned before, gives you an idea of your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support 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.
After your debt settlement program, CuraDebt can be the company to handle all of your creditors’ calls. They’ll also be the ones who negotiate what you will pay for your repayment in accordance with the state of your financial situation. Depending on which works best your situation, the payment can either be a lump sum settlement or an installment plan.
Moreover they will be working with lenders to help you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay off the creditors. The plans they offer can help you get rid of debt in just 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 so that you can monitor your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with your debt. They can negotiate settlements on behalf of you for all kinds of debt. These include medical bills, personal loans, credit cards and lines of credit. You can also approach them to help settle any remaining amount on business debts, collections, or repossessions.
They can even help negotiate on tax owed and IRS debt. However, you won’t get support for most cases, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will 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 in order to get cash settlements, should it be possible. Some violations can also cause your debt to be dismissed as well.
CuraDebt can also help you repay debt for less than the sum you have. You can also ask questions during their free consult with their debt advisor.
The best part about the program is that you’ll only be charged when your debt is paid off. All you need to do is sign up with one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they collect all of your financial documents and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve different types of taxes like garnishments on wages, tax penalties, personal and taxation for business, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs either. They only offer flat-fee prices and is dependent on the amount that you’ll need to settle.
They offer different options for settling your 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 kind of debt can they assist you with?
Although debt settlement is their specialization however, they do not offer all kinds of debt settlement. CuraDebt only focuses on debt that is not secured. They can’t assist you if your credit or loan is tied to a physical item.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to pay your past-due tax debts without difficulty. Additionally, this service is offered across all 50 states, if you have a debt in arrears to IRS. There are federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students with negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You may also be eligible if you have other unsecured 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 as well as private label credit card, CuraDebt can assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. The only time you pay is when you settle each of your outstanding debts.
Additionally, they don’t have high-cost fees as well. In the average, you’ll need to pay between 20 and 20 percent of the debt you settled through them.
On average, this type of industry can charge anywhere between 15 and 25 percent.
Moreover, clients can expect to settle their debts within 2 to 4 years. This varies depending on the amount that you can save up per month.
They also claim that you could save as much as 30% when you factor in their costs into your calculations.
But this claim will also vary, depending on your specific situation. Some customers even claimed to save 50 to 80%.
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The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt can provide, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. Additionally they charge only a 20% fee while most companies charge you 25%.
Then, if you’re done in the process of debt resolution, you could join their credit restoration program.
It’s a fantastic method to improve your credit without going back into debt. The program is however designed differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also look into any creditor violations using their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you cease making payments with . So if you’re trying to increase your credit score, it may delay you from finishing your obligations.
CureDebt doesn’t even have a mobile app available. Although they have a website for clients, it looks aged and simple. It’s not very user-friendly, and can be challenging to navigate.
Moreover, they are still not credited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to resolve your debt without having to spend more for these types of services. Moreover, their 20% service charge is lower than many companies that offer a 25% fee. There is no upfront payment and you’ll only be required to pay once the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress but their website isn’t user-friendly. CuraDebt isn’t even an app yet, which would make it easier to monitor your performance.
However, they have a good support team, and you can reach them, not only via emails but also by phone or sending an electronic ticket. New York State Tax Debt Relief
If the credit card is a major issue right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your area.
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FAQ New York State Tax Debt Relief
What is the time frame to complete the course?
The average program is between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Yes, CuraDebt provides tax relief programs to help you 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 the team and pay the required payments to pay down your debt over time.
