Have your debts increased lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because already tried everything.
In most cases, the best way is to approach professionals that can help you settle this issue.
CuraDebt is among the most frequently contacted companies. Many people have been inquiring whether they can help you or put you in more debt.
According to their clients, they can assist you in managing the majority of your debt so that you can finally take a few things off of your plate.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll take a deeper look at the way CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion we’ll look at its benefits and drawbacks.
Before beginning the review, you can check out this video instead if you prefer watching 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 will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Property Tax Relief For Seniors In Maryland
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best well-known feature. They also provide additional services to aid you in becoming more financially stable.
It all begins with requesting a free online savings estimate. It is a completely private service and they will not conduct a credit inquiry. By using this estimate of savings, you will discover more about alternatives towards debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an insight into your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you in navigating the process of credit arbitration should you choose to join. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt can be the one to answer all of your creditors’ calls. They’ll be the ones who determine what you will pay for your settlement depending on the condition of your financial situation. Depending on which works best to you, this could either be a lump sum settlement or a payment plan.
Furthermore they will be working with lenders to help you enjoy better rates when you make deposits to your savings account. This, is then processed to pay off the creditors. Their plans can help you settle the debt within two years.
After you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts’ client portal to track your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. To be eligible, you’ll need to meet the following requirements:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They can negotiate settlements on behalf of you for the majority of types of debt. They can help with medical bills, personal loans credit cards, and loans. They are also able to settle any outstanding balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you will not receive assistance with the majority cases, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like the 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 possible. Certain violations may cause your debt to be dismissed as well.
CuraDebt lets you settle debt with less than the sum you have. Additionally, you can ask questions during their free consult with their debt counselor.
The most appealing aspect of the program is that you only pay the fees when your debt is paid off. All you need to sign up for some of their programs, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documents, they will also collect all the documents you’ll require for tax returns.
Through this program, you should be able to deal with various tax issues such as garnishments on wages and tax penalties, personal and business taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs also. They use only flat-fee pricing, which depends on the amount you must settle.
They offer different options for paying off your 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 types of debt can they assist you with?
While debt settlement is their forte however, they do not cater to all types in debt resolution. CuraDebt concentrates on loans that are not secured. They won’t be able to help you if the credit or loan is tied to an actual item.
However, if you have the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without any issues. Moreover, this type of service is available to all 50 states in the event that you have a debt in arrears to IRS. They have federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some instances you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students with negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. You can also avail if you have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
Also, 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.
In general, this type of industry can charge anywhere between 15 and 25 percentage.
Additionally, customers can anticipate to pay off their debts in two to four years. But, it also differs according to the amount you are able to save each month.
They also claim that you can save as much as 30% if you include their costs into your calculations.
However, the claim may vary, depending on your situation. Some customers even claimed to save 50 to 80percent.
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Benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt offers, let’s explore the benefits from using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. Furthermore, they only charge 20% of the cost, whereas many companies charge 25%.
Then, if you’re done in the process of debt resolution, you can also sign up for their credit restoration program.
It’s a fantastic option to rebuild your credit without going into debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also look into any creditor violations using their experts in-house.
The drawbacks of using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using your credit card. If you’re trying to increase your credit score, it may cause you to delay getting rid of your credit card debt.
CureDebt does not have a mobile app. While they do have a website that clients can access however, it appears aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more for these types of services. Additionally the 20% service charge is cheaper than most firms that charge a 25% fee. There is no upfront payment, and you will only have to pay when the debt is paid off.
Although they’ll give you an account that allows you to track your progress, their website is not user-friendly. CuraDebt isn’t even an app that will make it easier to track your performance.
They do have a good support team, and you can reach them, not only via emails but by phone or by sending an electronic ticket. Property Tax Relief For Seniors In Maryland
If debt is a big 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 Property Tax Relief For Seniors In Maryland
How long does it take to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt has a tax relief program to help you with problems such as late 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 pay the required payments to lower the amount of debt you have over time.
