Are you experiencing debt that has been piling up lately? Are you exhausted from trying different financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they are able to help or put you into more debt.
According to their clients they can assist you in managing the majority of your debts so that you can take couple of things off your shoulders.
But for some people, these claims are just too good to be true.
If you’re looking for something that will aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of the way CuraDebt works and what problems it can solve for you.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before starting the review, you can go to this video for a more relaxing way 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 overview. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Nh Property Tax Relief For Seniors Town Of Chesterfield
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a participant in 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, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. But they offer other services that can aid you in becoming more financially secure.
The process starts by requesting a no-cost savings estimate on the internet. It is a completely private service and won’t conduct a credit inquiry. With this estimate of savings you’ll be able to be able to learn more about the alternatives to be debt-free.
The savings estimate, as we’ve mentioned before, gives you an idea of your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with the process of credit arbitration should you choose to join. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement program, CuraDebt will be the company to take care of all your creditors’ calls. They will also be the ones who negotiate what you will pay for your payment based on the status of your finances. Based on what works most effectively for you, it could be either a lump sum settlement or a payment plan.
Additionally, they will be working with lenders to help you enjoy better rates when you transfer money into your savings account, which in turn, will be processed to pay back the creditors. The plans they offer can help you get rid of debt in just 48 months.
After you’ve signed up with them, they’ll provide you with access to your account information 24 hours a day. All you need to do is sign in to CuraDebts the client portal so that you can monitor your performance.
Before you can avail of their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can aid you.
As their name suggests, CuraDebt can assist you in dealing with your debt. They can negotiate settlements on your behalf for all kinds of debt. These include personal loans, medical bills credit cards, and loans. They are also able to pay off any remaining balance of business debt collection, repossessions, or collections.
They can even help negotiate for back taxes and IRS debt. But, you won’t receive assistance with the majority of your lawsuits, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as 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 so that you can have cash settlements, if they are possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt lets you settle debt with less than the amount you have. Additionally, you can inquire about your debt during their no-cost meeting with their debt counsellor.
The best part about their program is that you’ll only pay the fees after your debt has been settled. All you need to do is sign up with any of the plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. After they have gathered all your financial documents, they will also collect all the necessary paperwork for tax returns.
Through this program, you’ll be able to deal with various tax issues such as garnishments on wages and tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs also. They use only flat-fee pricing and is dependent on the amount that you’ll must settle.
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
What kind of debt can they help you with?
While debt settlement is their specialization but they aren’t able to cater to all types in debt resolution. CuraDebt is only focused on unsecured debt. They won’t be able to help you if the credit 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.
With CuraDebt, you should be able pay off taxes that are due without any problems. Moreover, this type of service is offered across all 50 states, if you owe money to the IRS. There are federal tax experts to assist you with the issues.
CuraDebt can also assist in settling any medical-related debt. In some cases, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students with negotiating the student loans they are owed.
Personal loans and payday loans are also eligible as debt-settling programs. You can also avail if you have other unsecured credit lines that you have obtained from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you have paid off all of your debts.
Additionally, they do not charge high charges either. On average, you’ll be required to pay up to 20% of the debt you settled through them.
In general, this type of business can cost anywhere between 15 and 25 percentage.
Moreover, clients can expect to settle their debts within 2 to 4 years. But, it also differs depending on the amount that you save per month.
Also, they claim that you could save as much as 30% when you factor in their fees in your equation.
However, the claim may depend on your situation. Some customers even claimed to save 50 to 80percent.
Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can provide, let’s look into the advantages of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. Furthermore they only charge a 20% fee while the majority of companies charge 25 percent.
Next, if you’re done with the debt settlement program, you could also sign up for their credit restoration program.
It’s a great option to rebuild your credit score without going back into debt. However, the program runs different for every person according to your personal situation.
Lastly, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also be looking into any violations by creditors with the help of their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief usually require that you stop paying with your credit card. So if you’re trying to improve your rating on your credit, this might set you back while you’re working on your debt.
CureDebt doesn’t even offer a mobile application. While they do have a website that clients can access but it’s aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not accredited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more for these types of services. Additionally the 20% service fee is cheaper than most companies that offer the 25% cost. There is no upfront payment, and you will only have to pay when your debt is finally 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 isn’t even an app that will make it easier to monitor your progression.
But, they do have a competent support staff, and you can reach them not just via email but also by phone or submitting an e-ticket. Nh Property Tax Relief For Seniors Town Of Chesterfield
If your credit card is a major issue right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they offer are available in your area.
FAQ Nh Property Tax Relief For Seniors Town Of Chesterfield
What is the time frame to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt has a tax relief program that can assist you with issues such as delinquent payroll tax issues and garnishments of wages.
What should I do after joining the program?
You’ll have to keep in constant contact with the team and pay the required payments to lower the amount of debt you have over time.