Have your debts been piling up lately? Are you burnt out from trying other financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your most effective approach is to talk to experts who can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. Many people have been inquiring whether they can assist you or help you get into more debt.
According to their clients they can assist you in managing 80percent of your debt so that you are able to 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 that case, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of how CuraDebt works and what problems it can help you solve.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can watch this video instead if you prefer to watch 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. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Nj Property Tax Relief Senior Citizens
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most popular feature. They also provide other services that can assist you in becoming financially secure.
It all starts by requesting a no-cost savings estimate online. It is a completely private service and they will not conduct a credit inquiry. With this estimate of savings you’ll discover more about options to debt-free.
The savings estimate, as mentioned earlier, provides you with the opportunity to consider your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with credit arbitration if you decide to join. Some financial advisors can help you in your debt-free journey.
After your debt settlement plan, CuraDebt can be the agency to take care of all your creditors’ calls. They’ll also be the ones who will determine what you will pay for your payment in accordance with the state of your finances. In determining which option is the best your situation, the payment can be either a lump sum settlement or an installment plan.
Additionally they will also work with lenders to help you get better rates when you deposit money to your savings account. This is then processed to pay the creditors. The plans they offer can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they’ll give you access to your information 24/7. All you have to do is login to CuraDebts’ client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to be:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. This includes medical bills, personal loans credit cards and also lines of credit. They can also be approached to help settle any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate with back taxes and IRS debt. However, you will not receive assistance for the majority claims, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation so that you can have cash settlements, if possible. Certain violations may result in having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you have. Additionally, you can ask questions during their free consultation with their debt counsellor.
The most appealing aspect of their plan is that you will only be charged once your debt is settled. All you need to sign up for any of the plans and you’ll have the ability to 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 paperwork you’ll need for tax returns.
By using this program, you should be able to deal with the various types of tax problems like wage garnishments as well as tax penalties for personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices that is based on the amount you have to pay.
They offer different options when it comes to the settlement of your tax debt. Here are six 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 are they able to help with?
While debt settlement is their specialization, they don’t offer all kinds in debt resolution. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if your credit or loan is tied to an item that is physical.
If, however, you are in the following kinds of debt, they’ll 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 any issues. Moreover, this type of service is offered to all 50 states in the event that you have a debt in arrears to IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In certain cases you might even be able to pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students with negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you got from an alternative financial institution or bank.
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 will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. You’ll only pay once you settle each of your outstanding debts.
They also don’t charge high charges either. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
On average, this type of industry charges from 15% to 25 percent.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. However, this also varies depending on the amount that you are able to save each month.
They also claim you can save up to 30% when you factor in their costs into your calculations.
However, the claim may vary, depending on your situation. Some customers even claimed to save 50% to up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, let’s explore the benefits from using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. Furthermore they only charge 20% of the cost, whereas the majority of companies charge 25%.
Then, if you’re done by the program for debt relief, you could join their credit restoration program.
It’s a great method to improve your credit score without going into debt again. However, the program runs different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also be looking into any creditor violations with the assistance of their in-house experts.
Drawbacks of using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with your credit card. If you’re trying to build a better credit score, it may delay you from working on your credit card debt.
CureDebt does not offer a mobile application. While they have a website that clients can access however, it appears outdated and basic. It’s not very intuitive and could be challenging to navigate.
In addition, they’re not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more on these kinds of services. Moreover, their 20% service charge is lower than many firms that charge the 25% cost. There are no upfront payments, and you will only have to pay when your debt is finally settled.
Although they’ll give you an account to see your progress however, their website isn’t simple to navigate. CuraDebt isn’t even an app, which would make it easier to look at your progress.
However, they have a good support team, and you can reach them not only through emails but also via phone or submitting an e-ticket. Nj Property Tax Relief Senior Citizens
If debt is a big problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the services that they provide are offered in your state.
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FAQ Nj Property Tax Relief Senior Citizens
What is the time frame to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt has a tax relief program that can aid you in dealing with problems such as delinquent payroll tax issues and garnishments on wages.
What’s the first thing I have to do after joining the program?
You’ll have to keep in constant contact with the team and make the necessary payments to pay down your debt over time.
