Are you experiencing debt that has been piling up lately? Are you tired of trying other financial advice and tips but still have unsolved issues?
Maybe you’re here because tried every thing.
In most cases, the most effective approach is to talk to experts who can help you settle this issue.
CuraDebt is among the most frequently contacted companies. A lot of people are asking if they can help you or put you into more debt.
According to their customers, they can help you control the majority of your debts so that you can take few things off of your mind.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at the way CuraDebt is used and the problems it can solve for you.
In addition, prior to our conclusion our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin 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 review. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Property Tax Relief For Seniors And Disabled San Diego
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is an active member of 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 imposed restrictions on their services.
What can CuraDebt do?
Assistance in settling your debt is the most popular feature. They also provide additional services to assist you in becoming financially stable.
The process begins by requesting a free savings estimate on the internet. It is a completely private service and won’t conduct a credit inquiry. With this savings estimate you’ll be able to discover more about options to debt-free.
Savings estimates, as mentioned before, gives you the opportunity to consider your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to help you with credit arbitration in the event that you decide to join. Certain financial advisors can assist you with your debt-free journey.
Following the debt settlement program, CuraDebt is the agency to handle all of the calls from your creditors. They will be the ones who will determine conditions of the payment depending on the condition of your financial situation. In determining which option is the most effectively for you, it could either be a lump sum settlement or the option of a payment plan.
Moreover they will also be working with creditors to ensure that you have better rates as you transfer money into your savings account. This in turn, will be processed to pay back the 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’ll allow you access to your information 24/7. All you have to do is log in to CuraDebts the client portal so that you can monitor your progress.
Before you can avail of their program, you’ll need to pass their requirements first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are some of the ways CuraDebt can help you.
As their name suggests, CuraDebt can help you deal with debt. They are able to negotiate settlements on behalf of you for most types of debt. These include medical bills, personal loans credit cards and also loans. They can also be approached to help settle any remaining amount on business debts and collections or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. However, you won’t get support for most claims, government loans or collateral, as well as utility bills. They also don’t cover most student loans.
On the other hand, they can assist you with laws like 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. Some violations can also result in having your debts removed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. They also allow you to have questions answered during a free meeting with their debt advisor.
The best part about the program is that you only pay the fees once your debt is settled. All you need to sign up for any of the plans, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents They will also gather all the paperwork you’ll need for tax returns.
With this program, you will be able to solve various tax issues like garnishments on wages and tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs either. They only use flat-fee pricing that is based on the amount you have to pay.
There are a variety of options in settling the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
What types of debt are they able to help with?
Although they specialize in debt settlement, it is not their forte however, they do not offer all kinds of debt settlement. CuraDebt is only focused on loans that are not secured. They won’t be able to assist you if your credit or loan is tied to an item that is physical.
If you do 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 to settle your past-due tax debts without any problems. Moreover, this type of service is accessible to all 50 states if you have a debt towards the IRS. There are federal tax experts that can help you resolve these types of issues.
CuraDebt can also help resolve any medical-related debt. In certain cases you might even be able to pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students negotiate any student loans that they owe.
Personal and payday loans also qualify as debt-settling programs. You can also avail the program if you have other unsecure credit lines that you have obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with 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 best part about CuraDebt is the way the company has priced its services. They don’t charge an upfront fee. The only time you pay is when you have paid off all of your outstanding debts.
Additionally, they don’t charge high charges either. On average, you’ll be required to pay between 20 and 20 percent of the debt that you settled with them.
On average, this type of industry charges between 15 and 25 percentage.
In addition, customers can expect to settle their debts within between 2 and 4 years. But, it also differs according to the amount you save per month.
Additionally, they claim that you can save up to 30% if you include their charges into your calculation.
However, the claim may depend on the situation. Some customers have even talked about saving 50% to up to 80%.
The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Furthermore they charge only an amount of 20%, while most companies charge you 25 percent.
Then, if you’re done with the debt settlement program you can join their credit repair program.
It’s a great method to improve your credit without going in debt again. However, the program runs differently for each person according to your personal situation.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also look into any violations by creditors with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with the credit card you use. If you’re trying to improve your standing on credit scores, you might set you back while you’re getting rid of your credit card debt.
CureDebt also doesn’t offer a mobile application. Although they have a website that clients can access, it looks aged and simple. It’s not particularly intuitive, and it can be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you resolve your debt without having to spend more for these types of services. In addition their 20% service fee is less expensive than the majority of companies that offer an additional 25% charge. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account to see your progress, their website is not user-friendly. CuraDebt also doesn’t have an app, which would make it easier to monitor your performance.
But, they do have a great support team and can be reached them not just via email but by phone or by making an e-ticket. Property Tax Relief For Seniors And Disabled San Diego
If your debt is a big problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your area.
FAQ Property Tax Relief For Seniors And Disabled San Diego
How long does it take to finish the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt has a tax relief program that will aid you in dealing with problems like delinquent tax issues and garnishments of wages.
What do I need to do after joining the program?
You’ll be required to communicate with the team and make the necessary payments to lower your debt over time.