Have your debts been piling up lately? Are you exhausted from trying different financial advice and tips but still have unsolved issues?
Maybe you’re here because been through every thing.
In the majority of cases, your best option is to speak with experts who can help you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people have been inquiring whether they can help you or put you in more debt.
According to their clients, they can help you control 80% of your debt , so you can take couple of w
orries off your plate.
For some they believe these claims are too good to be true.
You might be looking for anything that can aid you in settling your debt. If that’s the scenario, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth look at the way CuraDebt operates and what issues it could help solve.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can go to this video in case you would prefer to watch it.
Otherwise, let’s begin.
Before you continue, you may want to check out 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.
About the Company Nys Family Tax Relief Credit Eligibility
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is 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.
While it is accredited, certain states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most well-known feature. However, they also offer other services that can aid you in becoming more financially stable.
The process begins by requesting a free savings estimate on the internet. This service is very confidential, and they won’t be doing a credit check. With this savings estimate, you will be able to learn more about the other options in your journey towards debt-free.
Savings estimates, which was mentioned previously, offers you an insight into your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you in navigating credit arbitration if you decide to sign up. Some financial advisors can help you with your debt-free journey.
After your debt settlement program, CuraDebt will be the company to handle all of your creditors’ calls. They’ll also be the ones who will negotiate the terms of your repayment in accordance with the state of your financial situation. Depending on which works best for you, it can be 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 deposit money to your savings account. This is then processed to pay off the creditors. Their plans can help you get rid of debt in just 48 months.
Once you’ve signed up with them, they’ll provide you with access to your data 24/7. All you have to do is log in to CuraDebts Client Portal so that you can monitor your performance.
Before you can benefit from their program, you’ll need to satisfy their criteria first. For eligibility, you’ll need to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the various ways CuraDebt can help you.
The name of the company suggests that CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. They can help with medical bills, personal loans, credit cards as well as loans. They are also able to settle any outstanding balance on business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority claims, government loans as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can help you use 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 possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. They also allow you to inquire about your debt during their no-cost consult with their debt advisor.
The greatest benefit of their program is that you will only be charged when your debt is paid off. All you have to do is sign up with some of their programs, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. After they have gathered all your financial records and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
By using this program, you should be able to resolve various tax issues such as wage garnishments as well as tax penalties for personal and taxation for business, back taxes and trust fund penalties and tax lien.
There aren’t any hidden costs also. They use only flat-fee pricing, which depends on the amount you’ll have to pay.
They offer different options for paying off the tax debt. Here are six of them:
- 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?
Although they specialize in debt settlement, it is not their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on loans that are not secured. They won’t be able to assist you if your credit or loan is tied to an actual item.
However, if you have one of the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt it is expected that you will be able pay off taxes that are due without difficulty. Additionally, this service is offered to all 50 states in the event that you owe money to the IRS. There are tax experts from the federal government to assist you with the issues.
CuraDebt can also assist in settling your medical debt. In some instances you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not offer federal student loans. Still, they can help private students negotiate the student loans they owe.
Personal loans and payday loans also qualify as debt-settling programs. You can also avail the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards and 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 they’ve priced their services. They don’t charge upfront fees. Only pay when you’ve paid each of your outstanding debts.
Additionally, they do not charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
In general, this type of business can cost anywhere from 15% to 25 percentage.
In addition, customers can expect to settle their debts within two to four years. However, this also varies according to the amount you save per month.
They also claim that you could save up to 30% when you factor in their costs into your calculations.
However, this statement will vary, depending on the situation. Some customers have even talked about saving 50 to up to 80%.
Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, let’s explore the benefits of using CuraDebt.
First, CuraDebt will only charge you after you’ve settled your debt. Additionally they only charge 20% of the cost, whereas most companies charge you 25%.
Next, if you’re done with the debt settlement program, you can also sign up for their credit restoration program.
It’s a fantastic 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, depending on your situation.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also investigate any violations by creditors with the assistance of their own experts.
Some disadvantages to using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using your credit card. If you’re trying to build a better standing on credit scores, you may delay you from getting rid of your credit card debt.
CureDebt also doesn’t have a mobile app available. Although they have a website that clients can access however, it appears aged and simple. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not credited with the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more on those types of services. In addition the 20% service charge is cheaper than most companies that offer a 25% fee. There are no upfront payments and you’ll only have to pay the fee when the debt is settled.
Although they’ll give you an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app yet, which would make it easier to look at your performance.
However, they have a great support team and can be reached them, not only via emails but also via phone or submitting an e-ticket. Nys Family Tax Relief Credit Eligibility
If the credit card is a major problem, then we highly recommend CuraDebt’s program. Be sure to be eligible and that the programs they provide are in your state.
FAQ Nys Family Tax Relief Credit Eligibility
What is the time frame to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt and the stipulated settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt offers a program for tax relief that will help you with problems like delinquent tax issues and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll be required to communicate with the team and make the necessary payments to reduce the amount of debt you have over time.