Has your debt been increasing lately? Are you tired of trying other financial tips and advice but haven’t solved your problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, the best way is to approach experts who can help you settle this issue.
CuraDebt is one of the most asked 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 80% of your debt so that you can take few things off of your plate.
However, for certain people the claims seem too good to be true.
You might be looking for anything that can aid you in settling your debt. In that scenario, CuraDebt will mostly be recommended by people. We’ll be taking a deep study of how CuraDebt works and what problems it could help solve.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, you can watch this video instead in case you would prefer watching 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 overview. 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 Utah
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active 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, certain states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. But they offer additional services to aid you in becoming more financially secure.
The process starts by requesting a no-cost savings estimate on the internet. This service is very confidential and won’t be conducting a credit screening. With this estimate of savings, you will learn more about your other options in your journey towards debt-free.
Savings estimates, as we’ve mentioned earlier, provides you with an idea of your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt is the company to take care of all the calls from your creditors. They’ll be the ones who will determine what you will pay for your settlement based on the status of your financial situation. Based on what works best your situation, the payment could be either a lump sum settlement or an installment plan.
Additionally they will be working with creditors so that you can have better rates as you transfer money into your savings account. This is then processed to pay creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
After you’ve registered with them, they will provide you with access to your information 24/7. All you have to do is sign in to CuraDebts’ client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They are able to negotiate settlements on behalf of you for the majority of types of debt. They can help with personal loans, medical bills credit cards, as well as loans. You can also approach them to pay off any remaining amount on business debts, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. But, you won’t receive support for most claims, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors to ensure that you receive cash settlements, should it be possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt can also help you pay off debts with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consult with their debt counsellor.
The most appealing aspect of their program is that you will only have to pay for the charges when your debt is paid off. All you have to sign up for some of their programs and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial records and tax documents, they’ll also collect all the necessary paperwork for tax returns.
With this program, you will be able to solve different types of taxes like garnishments on wages as well as tax penalties for personal and corporate taxes, back taxes, trust fund penalties, and tax liens.
There aren’t any hidden charges also. They use only flat-fee pricing, which depends on the amount that you’ll need to settle.
They offer different options in the settlement of your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt can they help you with?
Although debt settlement is their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They won’t be able to help you if your loan or debt is linked to an actual item.
If you do have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able pay off taxes that are due without any problems. Furthermore, this service is accessible across all 50 states, if you owe money towards the IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases you could even settle the debt for less than you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students with negotiating the student loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt is how the company has priced its services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
They also do not charge high charges either. In the average, you’ll need to pay between 20 and 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15% and 25 percent.
Additionally, customers can anticipate to pay off their debts in two to four years. This varies according to the amount you can save up per month.
They also claim that you could save up to 30% when you factor in their fees in your equation.
But this claim will also differ based on your situation. Some customers have even talked about saving 50% to 80percent.
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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 of using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. In addition they charge only an amount of 20%, while the majority of companies charge 25 percent.
If you’re finished in the process of debt resolution, you may enroll in their credit repair program.
It’s a fantastic method to improve your credit score without going into debt again. However, the program lasts different for every person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that your debt won’t increase as time passes. They’ll also look into any violations of creditor using their own experts.
Some disadvantages to using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using your credit card. Therefore, if you’re trying increase your standing on credit scores, you could delay you from finishing your credit card debt.
CureDebt doesn’t even offer a mobile application. While they have a website for clients, it looks old and mundane. It’s not very user-friendly, and can be challenging to navigate.
In addition, they’re not recognized by their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more on these kinds of services. Moreover their 20% service cost is cheaper than most firms that charge an additional 25% charge. There is no upfront payment, and you will only have to pay when the debt is settled.
Although they’ll allow you to access an account to see your progress however, their website isn’t easy to navigate. CuraDebt does not have an app, which could make it easier for you to monitor your performance. Property Tax Relief For Seniors In Utah
But, they do have a good support team that you can contact them, not only via emails but by phone or by submitting an e-ticket. Property Tax Relief For Seniors In Utah
If your credit card is a major problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Property Tax Relief For Seniors In Utah
What is the time frame to complete the course?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the agreed settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt has a tax relief program that can assist you with issues such as delinquent payroll tax issues and garnishments on wages.
What should I do once I’m in the program?
You’ll need to constantly communicate with your team members and pay the required payments to reduce your debt over time.
