Have your debts been increasing lately? Are you burnt out from trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because already tried every thing.
In the majority of cases, your best way is to approach professionals that can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can assist you or put you in more debt.
According to their clients they can assist you in managing the majority of your debts so that you can finally take a few things off of your mind.
For some the claims seem too good to be true.
If you’re looking for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be recommended by people. We’ll take a deeper look at how CuraDebt works and what problems it could help solve.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before beginning the review, watch 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 overview. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Property Tax Relief Merchant Circle
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer additional services to help you be more financially secure.
First of all, it begins by requesting a free savings estimate on the internet. The service is completely confidential and won’t be conducting a credit screening. With this savings estimate you’ll learn more about your options to be debt-free.
Savings estimates, as mentioned before, gives you an insight into your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to help you with credit arbitration if you decide to join. Financial advisors may be able to assist you on your path to debt-free living.
After your debt settlement plan, CuraDebt is the agency to take care of all the calls from your creditors. They’ll be the ones who will negotiate what you will pay for your settlement in accordance with the state of your financial situation. Based on what works most effectively your situation, the payment can be either a lump sum settlement or the option of a payment plan.
Furthermore they will also be working with lenders to help you have better rates as you transfer money into your savings account. This, in turn, will process to pay off creditors. Their plans can help you get rid of debt in just two years.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you need to do is log in to CuraDebts Client Portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll need to be:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing your debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards, and loans. They can also be approached to help settle any remaining amount on business debts and collections or repossessions.
They may even assist you in negotiating for back taxes and IRS debt. However, you will not receive assistance for the majority of your lawsuits, loans from the government as well as collateral and utility bills. They also don’t cover most 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 will also help you identify creditor violations in order to get cash settlements, if they are possible. Certain violations may lead to having your debts removed as well.
CuraDebt can also help you settle debt with less than the amount you have. They also allow you to have questions answered during a free consult with their debt counsellor.
The best part about their plan is that you only pay the fees after your debt has been settled. All you need to do is sign up with some of their programs, and you’ll be able to resolve all 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 documents They will also gather all the documents you’ll require to file tax returns.
With this program, you will be able to solve the various types of tax problems such as garnishments on wages and tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees also. They only offer flat-fee prices, which depends on the amount that you’ll need to settle.
They offer different options for paying off your tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts can they help you with?
Although debt settlement is their forte but they aren’t able to cater to all types of debt settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if your loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay taxes that are due without any problems. Moreover, this type of service is accessible across all 50 states, if you have a debt towards the IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In some instances you could even settle them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students with negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card CuraDebt will assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They don’t charge an upfront fee. Only pay when you have paid off all of your outstanding debts.
They also do not charge high fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled through them.
In general, this type of industry charges between 15% and 25 percentage.
Additionally, customers can anticipate to pay off their debts in two to four years. However, this also varies in relation to the amount you are able to save each month.
They also claim you can save up to 30% by incorporating their charges into your calculation.
But this claim will also vary, depending on your situation. Some customers even claimed to save 50% to 80%.
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The benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt only charges you once you’ve paid off your debt. Additionally, they only charge an amount of 20%, while most companies charge you 25%.
Next, if you’re done with the debt settlement program, you can enroll in their credit restoration program.
It’s a fantastic way to restore your credit score without going in debt again. The program is however designed different for every person, depending on your situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also be looking into any violations of creditor using their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using your credit card. If you’re trying to improve your standing on credit scores, you might cause you to delay working on your debt.
CureDebt also doesn’t offer a mobile application. Although they have a website for clients, it looks outdated and basic. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you pay off your debts without spending more for these types of services. Additionally, their 20% service fee is cheaper than most firms that charge the 25% cost. There is no upfront payment, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account so that you can track your progress but their website isn’t simple to navigate. CuraDebt does not have an app yet, which would make it easier to monitor your progression.
They do have a great support team that you can contact them not just via email but by phone or by sending an electronic ticket. Property Tax Relief Merchant Circle
If problem of debt is an problem right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the programs that they provide are offered in your state.
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FAQ Property Tax Relief Merchant Circle
How long does it take to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt offers a program for tax relief to aid you in dealing with problems such as late payroll taxes and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to reduce your debt over time.
