Are you experiencing debt that has increased lately? Are you burnt out from trying different financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through everything.
In the majority of 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 assist you or help you get into more debt.
According to their clients, they can assist you in managing the majority of your debt so that you are able to take few things off of your shoulders.
But for some people, these claims are just too good to be true.
You might be looking for anything that can aid you in settling your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at how CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before you begin the review, watch this video instead in case you would prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you will want to read the rest of our article for a more comprehensive review.
About the Company Property Tax Relief New Jersey
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000, and is a member 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, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. They also provide other services that can aid you in becoming more financially secure.
It all begins by requesting a free 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 be able to learn more about the options to debt-free.
Savings estimates, as mentioned before, gives you the opportunity to consider your choices, regardless of whether you’re planning to continue 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 sign up. Some financial advisors can help you with your debt-free journey.
Following the debt settlement plan, CuraDebt is the company to answer all of your creditor’s calls. They will be the ones who will determine conditions of the repayment in accordance with the state of your finances. Depending on which works best for you, it can be either a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with the creditors to ensure that you have better rates as you make deposits to your savings account, which is then processed to pay off the creditors. Their plans can help you settle the debt within 48 months.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you need to do is log in to CuraDebts’ client portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to be:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are some of the ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can help you deal with debt. They can negotiate settlements on behalf of you for the majority of types of debt. These include medical bills, personal loans credit cards and lines of credit. You can also approach them to help settle any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. However, you won’t get assistance with the majority of your lawsuits, 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 also help you find creditor violations to ensure that you receive cash settlements, should it be possible. Certain violations may result in having your debts removed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. Additionally, you can ask questions during their free consult with their debt counsellor.
The best part about the program is that you’ll only have to pay for the charges when your debt is paid off. All you need to do is sign up with one of their plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they’ve gathered all your financial documentation They will also gather all the necessary paperwork for tax returns.
Through this program, you will be able to solve different types of taxes like garnishments on wages and tax penalties, personal and corporate taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing, which depends on the amount you need to settle.
They have different solutions in paying off your tax debt. Here are 6 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?
Although debt settlement is their forte but they aren’t able to offer all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They can’t help you if your debt or loan is tied to an actual item.
However, if you have one of the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able pay off tax debts that were due to be paid without any issues. Additionally, this 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 these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases you could even settle them less than the amount you are owed.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students negotiate the student loans they owe.
Personal Loan
Personal loans and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. The only time you pay is when you have paid off all of your debts.
Additionally, they do not charge high charges either. On average, you’ll have to pay up to 20% of the debt you settled with them.
In the average, this kind of business can cost anywhere from 15% to 25%.
Moreover, clients can expect to settle their debts within two to four years. This varies according to the amount you can save up per month.
Also, they claim you can save as much as 30% if you include their costs into your calculations.
But this claim will also vary, depending on the situation. Some clients even mentioned saving between 50% and 80%.
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The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. Additionally they only charge a 20% fee while many companies charge 25 percent.
Then, 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 without having to go in debt again. However, the program runs in a different way for each individual, depending on your situation.
In the end, CureDebt looks into your credit to help with settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also look into any violations by creditors with the help of their own experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using . If you’re trying to improve your rating on your credit, this might set you back while you’re getting rid of your credit card debt.
CureDebt does not offer a mobile application. Although they have a website for clients however, it appears old and mundane. It’s not very intuitive and could 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 good program that will allow you to pay off your debts without spending more on these kinds of services. Moreover their 20% service cost is cheaper than most businesses that charge a 25% fee. There are no upfront payments, and you will only have to pay when the debt is paid off.
Although they’ll give you an account to see your progress however, their website isn’t easy to navigate. CuraDebt also doesn’t have an app that could make it easier for you to track your performance.
They do have a competent support staff that you can contact them, not only via emails but also via phone or making an e-ticket. Property Tax Relief New Jersey
If the problem of debt is an issue right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services that they provide are offered in your state.
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FAQ Property Tax Relief New Jersey
What is the time frame to complete the course?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs to help you with problems like delinquent taxes and wage garnishments.
What should I do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to lower your debt over time.
