Are you experiencing debt that has been piling up lately? Are you burnt out from trying other financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, your most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is one of the most asked companies. A lot of people have been inquiring whether they are able to help or help you get into more debt.
According to their clients they can help you control 80% of your debt so that you can take few things off of your mind.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout 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.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before starting the review, check out this video instead if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Property Tax Debt Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. But they offer other services that can help you be more financially stable.
The process starts by requesting a no-cost savings estimate online. The service is completely confidential and won’t conduct a credit inquiry. With this savings estimate, you will learn more about your alternatives towards debt-free.
The savings estimate, as we’ve mentioned before, gives you an idea of your choices 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 in navigating credit arbitration in the event that you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following your debt settlement program, CuraDebt is the one to take care of all your creditors’ calls. They’ll be the ones who determine the terms of your payment in accordance with the state of your finances. Based on what works best for you, it could either be a lump sum settlement or the option of a payment plan.
Moreover they will be working with creditors to ensure that you have better rates as you make deposits to your savings account, which in turn, will process to pay off the creditors. Their plans can help you settle the debt within 48 months.
After you’ve signed up with them, they’ll provide you with access to your information 24/7. All you need to do is login to CuraDebts’ client portal to monitor your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to pass their requirements first. For eligibility, you’ll have to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing your debt. They can negotiate settlements on your behalf to settle the majority of types of debt. This includes personal loans, medical bills credit cards and also lines of credit. They are also able to pay off any remaining amount on business debts collection, repossessions, or collections.
They can even help negotiate for back taxes as well as IRS debt. But, you won’t receive assistance for the majority cases, loans from the government or collateral, as well as 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 also help you find the violations of creditors in order to get cash settlements, if they are possible. Some violations can also lead to having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you own. Additionally, you can inquire about your debt during their no-cost consultation with their debt counselor.
The most appealing aspect of the program is that you will only pay the fees after your debt has been settled. All you need to sign up to any of the plans, and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they collect all of your financial documents, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you should be able to deal with the various types of tax problems such as wage garnishments and tax penalties, personal and taxation for business, back taxes and trust fund penalties and tax liens.
There aren’t hidden fees either. They use only flat-fee pricing that is based on the amount you need to settle.
They have different solutions for the settlement of 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
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What kinds of debts are they able to help with?
Although they specialize in debt settlement, it is not their forte, they don’t cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if the debt or loan is tied to a physical item.
If you do have one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay your past-due tax debts without any issues. Moreover, this type of service is available to all 50 states if you owe money in arrears to IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In certain cases, you may even pay the debt for less than you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. They can however assist private students with negotiating any loans they are owed.
Personal Loan
Personal and payday loans also qualify as debt-settling programs. You may also be eligible if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you settle each of your debts.
Additionally, they don’t have high-cost 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 charges from 15% to 25 percent.
Moreover, clients can expect to pay off their debts in two to four years. However, this also varies according to the amount 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.
But this claim will also differ based on your specific situation. Some customers even claimed to save 50% to 80%.
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Advantages to using CuraDebt
Once you’ve got an idea of what CuraDebt can offer you let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt is only charged when you’ve paid off your debt. In addition they only charge a 20% fee while most companies charge you 25%.
Next, if you’re done by the program for debt relief you may join their credit restoration program.
It’s a great 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.
Lastly, CureDebt looks into your financial obligations to help with settlements and negotiations. This means your debt won’t inflate over time. They’ll also investigate any creditor violations with the assistance of their own experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt settlement and debt relief usually require that you stop paying with your credit card. Therefore, if you’re trying build a better standing on credit scores, you might cause you to delay finishing your obligations.
CureDebt also doesn’t offer a mobile application. While they have a website that clients can access, it looks outdated and basic. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not credited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more on those types of services. In addition the 20% service cost is less expensive than the majority of companies that offer the 25% cost. There is no upfront payment, and you will only have to pay the fee when the debt is paid off.
While they’ll provide you with an account to see your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app, which will make it easier to look at your progression. Property Tax Debt Relief
But, they do have a competent support staff, and you can reach them not only through emails but also by phone or submitting an e-ticket. Property Tax Debt Relief
If debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be qualified and that the services they offer are available in your state.
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FAQ Property Tax Debt Relief
What is the time frame to complete the course?
The typical program lasts from between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief to aid you in dealing with problems such as delinquent payroll tax and wage garnishments.
What should I do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to pay down your debt over time.
