Has your debt been increasing lately? Are you tired of trying other financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried every thing.
In the majority of cases, the best way is to approach experts who can assist you resolve the issue.
CuraDebt is among the most asked companies. Many people are asking if they are able to help or put you into more debt.
According to their customers, they can help you control 80percent of your debt so that you can take couple of things off your shoulders.
For some they believe these claims are too good to be true.
If you’re looking for something that will help you resolve your debt. In that situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of the way CuraDebt is used and the problems it could help solve.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before starting the review, watch 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. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Pennsylvania Property Tax Relief Caucus
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you settle your debt is the most well-known feature. They also provide other services that will assist you in becoming financially secure.
It all starts by requesting a no-cost online savings estimate. The service is completely confidential and won’t be doing a credit check. With this savings estimate you’ll be able to be able to learn more about the alternatives to be debt-free.
This estimate of savings, as mentioned previously, offers you an idea of your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with credit arbitration in the event that you decide to join. Certain financial advisors can assist you on your path to debt-free living.
Following your debt settlement program, CuraDebt can be the agency to take care of all your creditors’ calls. They’ll also be the ones who negotiate what you will pay for your repayment based on the status of your financial situation. In determining which option is the best your situation, the payment could either be a lump sum settlement or a payment plan.
Additionally, they will be working with the creditors so that you can enjoy better rates when you deposit money to 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.
Once you’ve signed up with them, they will give you access to your data 24/7. 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 are able to avail the program, you’ll have to satisfy their criteria 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
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with your debt. They can negotiate settlements on behalf of you for all kinds of debt. These include personal loans, medical bills credit cards and 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 for back taxes and IRS debt. But, you won’t receive assistance for the majority cases, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they can help you use laws like 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. Some violations can also lead to having your debts removed as well.
CuraDebt also allows you to settle debt with less than the amount you have. They also allow you to have questions answered during a free consultation with their debt counselor.
The greatest benefit of their plan is that you’ll only have to pay for the charges after your debt has been settled. All you have to sign up for one of their plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they’ve gathered all your financial records, they will also collect all the documents you’ll require to file tax returns.
Through this program, you will be able to resolve various tax issues such as garnishments on wages and tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax liens.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices that is based on the amount you’ll must settle.
They offer different options in settling taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt are they able to help with?
While debt settlement is their specialization however, they do not offer all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They can’t help you if your loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to settle taxes that are due without any problems. Moreover, this type of service is accessible to all 50 states if you have a debt towards the IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances, you may even pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students in negotiating any loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, as well as private label credit card CuraDebt can assist you in paying it off.
What is the cost?
The greatest thing about CuraDebt is how they’ve priced their service. They do not charge an upfront cost. You’ll only pay once you have paid off all of your outstanding debts.
They also don’t charge high costs either. In the average, you’ll need to pay as much as 20 percent of the debt that you settled with them.
On average, this type of industry can charge anywhere from 15% to 25%.
In addition, customers can expect to settle their debts within two to four years. But, it also differs depending on the amount that you are able to save each month.
Also, they claim that you could save up to 30% when you factor in their charges into your calculation.
However, this statement will depend on your specific situation. Some customers even claimed to save between 50% and 80%.
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The benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you let’s explore the benefits from using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore they only charge an amount of 20%, while the majority of companies charge 25 percent.
Next, if you’re done in the process of debt resolution, you can enroll in their credit repair program.
It’s a fantastic option to rebuild your credit without having to go into debt again. The program is however designed differently for each person, depending on your situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t increase as time passes. They’ll also investigate any creditor violations with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using the credit card you use. So if you’re trying to increase your credit score, it may set you back while you’re finishing your obligations.
CureDebt doesn’t even offer a mobile application. While they do have a website for clients but it’s outdated and basic. It’s not particularly intuitive, and it can be difficult to navigate.
Furthermore, they are not accredited with an accreditation from the 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 on those types of services. Moreover, their 20% service charge is cheaper than most businesses that charge the 25% cost. There aren’t any upfront fees, and you will only be required to pay once the debt is settled.
Although they’ll give you an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt isn’t even an app, which will make it easier to monitor your performance.
But, they do have a competent support staff, and you can reach them not just via email but by phone or by making an electronic ticket. Pennsylvania Property Tax Relief Caucus
If credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ Pennsylvania Property Tax Relief Caucus
How long will it take to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt offers a program for tax relief that can aid you in dealing with problems such as late payroll tax and garnishments of wages.
What do I need to do after joining the program?
You’ll be required to communicate with your team members and pay the required payments to reduce your debt over time.
