Has your debt been piling up lately? Are you tired of trying different financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve tried everything.
In the majority of cases, the best option is to speak with professionals that can help you settle this issue.
CuraDebt is among the most asked companies. Many customers have asked if they are able to help or put you in more debt.
According to their customers, they can help you control 80% of your debt , so you are able to take couple of things off your shoulders.
However, for certain people the claims seem too good to be true.
You might be looking for something that will aid you in settling your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of how CuraDebt works and what problems it could help solve.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can go to this video for a more relaxing way 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 of CuraDebt.
About the Company Property Tax Relief For Nj Seniors
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become 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.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best well-known feature. But they offer other services that will assist you in becoming financially secure.
It all starts by requesting a no-cost 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 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 you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to help you with credit arbitration if you decide to enroll. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt will be the company to handle all of the calls from your creditors. They’ll also be the ones that determine conditions of the repayment depending on the condition of your financial situation. Depending on which works best to you, this can be either a lump sum settlement or an installment plan.
Moreover they will also work with lenders to help you get better rates when you transfer money into your savings account, which in turn, will be processed to pay the creditors. Their programs can assist you to get rid of debt in just two years.
After you’ve signed up with them, they’ll allow you access to your information 24/7. All you have to do is login to CuraDebts Client Portal to track your development.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll need to meet the following requirements:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf for all kinds of debt. They can help with personal loans, medical bills credit cards, and loans. You can also approach them to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating with back taxes and IRS debt. However, you won’t get support for most cases, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations so that you can have cash settlements, if possible. Certain violations could lead to having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the amount you have. You can also have questions answered during a free meeting with their debt counsellor.
The most appealing aspect of their program is that you only have to pay for the charges once your debt is settled. All you have to sign up for some of their programs and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial records, they will also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to resolve various tax issues such as garnishments on wages, tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges either. They use only flat-fee pricing and is dependent on the amount you have to pay.
There are a variety of options for the settlement of the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt are they able to help with?
Although debt settlement is their forte however, they do not cater to all types of settlement. CuraDebt concentrates on unsecured debt. They can’t help you if the loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to pay tax debts that were due to be paid without difficulty. Furthermore, this service is offered to all 50 states in the event that you owe money to the IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also assist in settling 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 doesn’t cater to federal student loans. However, they can assist private students in negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines you obtained from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt can help you pay it off.
How much will it cost?
The greatest thing about 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 outstanding debts.
Additionally, they do not charge high costs either. In the average, you’ll need 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.
Moreover, clients can expect to settle their debt from between 2 and 4 years. However, this also varies depending on the amount that you can save up per month.
Additionally, they claim you can save up to 30% if you include their costs into your calculations.
However, the claim may vary, depending on the situation. Some customers have even talked about saving 50% to 80percent.
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Benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can provide, let’s look into the advantages that come with using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Additionally they charge only 20% of the cost, whereas many companies charge 25%.
If you’re finished with the debt settlement program, you may join their credit repair program.
It’s an excellent method to improve the credit rating without going in debt again. However, the program runs differently for each person, depending on your situation.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. So, your debt won’t inflate over time. They’ll also be looking into any violations by creditors with the assistance of their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using the credit card you use. So if you’re trying to improve your credit score, it might set you back while you’re finishing your debt.
CureDebt doesn’t even have a mobile app. While they have a website for clients but it’s outdated and basic. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more for these types of services. Moreover the 20% service charge is cheaper than most businesses that charge a 25% fee. There is no upfront payment, and you will only have to pay the fee when the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app, which will make it easier to monitor your progression.
They do have a great support team, and you can reach them, not only via emails but also via phone or sending an electronic ticket. Property Tax Relief For Nj Seniors
If debt is a big problem, then 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 Relief For Nj Seniors
How long will it take to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt provides tax relief programs that will aid you in dealing with problems such as delinquent payroll tax issues and garnishments on wages.
What do I need to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to reduce your debt over time.
