Have your debts increased lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, your best way is to approach experts who can help you resolve the issue.
CuraDebt is among the most frequently contacted companies. A lot of people have been inquiring whether they can help you or help you get into more debt.
According to their clients, they can assist you in managing the majority of your debt , so you can take few things off of your plate.
But for some people, these claims are just too good to be true.
You might be looking for anything that can aid you in settling your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of the way CuraDebt works and what problems it can help you solve.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before beginning 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 review. Afterward, you will want to read the rest of the article for a more comprehensive review.
About the Company October 31, 2021 Property Tax Relief Taskforce Report
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best well-known feature. They also provide other services that can aid you in becoming more financially secure.
The process begins by requesting a free online savings estimate. It is a completely private service and they will not be doing a credit check. By using this estimate of savings, you will learn more about your other options in your journey to debt-free.
This estimate of savings, as we’ve mentioned previously, offers you an idea of your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating the process of credit arbitration should you choose to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt will be the agency to handle all of your creditor’s calls. They will also be the ones who will determine the terms of your repayment based on the status of your finances. Depending on which works best for you, it could either be a lump sum settlement or a payment plan.
Moreover, they will work with creditors so that you can have better rates as you transfer money into your savings account. This is then processed to pay off creditors. Their programs can assist you to pay off the debt in the period of 48 months.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is log in to CuraDebts’ client portal to track your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements 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?
Here are some of the ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include personal loans, medical bills credit cards, as well as loans. You can also approach them to pay off any remaining amount on business debts and collections or repossessions.
They may even assist you in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with 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 other hand, they can assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors to ensure that you receive cash settlements, should it be possible. Certain violations may result in having your debts also dismissed.
CuraDebt lets you settle debt with less than the amount you own. Additionally, you can inquire about your debt during their no-cost meeting with their debt counselor.
The greatest benefit of their program is that you’ll only be charged when your debt is paid off. All you need to sign up to any of the plans and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they collect all of your financial records, they will also collect all the documents you’ll require to file tax returns.
By using this program, you should be able to deal with the various types of tax problems like wage garnishments, tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees neither are there hidden fees. They use only flat-fee pricing, which depends on the amount you’ll have to pay.
There are a variety of options when it comes to settling taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts are they able to help with?
While debt settlement is their forte however, they do not cater to all types in debt resolution. CuraDebt is only focused on debt that is not secured. They won’t be able to help you if the debt or loan is tied to a physical item.
If you do have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without any problems. Moreover, this type of service is offered across all 50 states, if you have a debt towards the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In certain cases, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students in negotiating the student loans they owe.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. You may also be eligible if you have other unsecured credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card, CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you settle each of your outstanding debts.
Additionally, they do not charge high fees as well. On average, you’ll be required to pay between 20 and 20% of the debt you settled with them.
On average, this type of industry can charge anywhere between 15% and 25 percent.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. However, this also varies in relation to the amount you are able to save each month.
Additionally, they claim you can save up to 30% when you factor in their fees in your equation.
But this claim will also vary, depending on the situation. Some customers have even talked about saving 50% to up to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
First, CuraDebt will only charge you after you’ve settled your debt. Furthermore they only charge 20% of the cost, whereas most companies charge you 25%.
Next, if you’re done by the program for debt relief you may also sign up for their credit repair program.
It’s a great way to restore your credit score without going in debt again. However, the program lasts different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can assist in settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also investigate any violations of creditor using their experts in-house.
The drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you cease making payments with your credit card. Therefore, if you’re trying increase your standing on credit scores, you might set you back while you’re getting rid of your credit card debt.
CureDebt doesn’t even have a mobile app available. Although they have a website for clients, it looks old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more on these kinds of services. Additionally their 20% service cost is less expensive than the majority of businesses that charge the 25% cost. There is no upfront payment, and you will only have to pay the fee when the debt is settled.
Although they’ll give you an account to see your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which will make it easier to track your progression.
But, they do have a great support team, and you can reach them not just via email but by phone or by sending an e-ticket. October 31, 2021 Property Tax Relief Taskforce Report
If your credit card is a major problem, then we recommend CuraDebt’s service. Make sure you’re qualified and that the services they provide are in your area.
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FAQ October 31, 2021 Property Tax Relief Taskforce Report
How long does it take to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as your stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt offers a program for tax relief to help you with problems such as delinquent payroll tax and garnishments on wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce your debt over time.
