Have your debts increased lately? Are you exhausted from trying different financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through every thing.
In the majority of cases, the best option is to speak with experts who can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people are asking if they are able to help or help you get into more debt.
According to their clients they can help you manage 80% of your debt , so you can take couple of things off your shoulders.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. If that’s the scenario, CuraDebt will mostly be recommended by people. We’ll be taking a deep look at how CuraDebt works and what problems it can help you solve.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before beginning the review, watch this video instead for a more relaxing way for it to be watched.
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. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Relief From Nys Tax Debt
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is the most popular feature. But they offer other services that will help you be more financially stable.
First of all, it begins by requesting a free savings estimate online. This service is very confidential and they will not be doing a credit check. With this estimate of savings, you will learn more about your alternatives towards debt-free.
Savings estimates, as we’ve mentioned earlier, provides you with the opportunity to consider 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 in navigating credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you on your path to debt-free living.
After your debt settlement program, CuraDebt is the one to take care of all your creditors’ calls. They’ll also be the ones who will determine what you will pay for your payment based on the status of your finances. Based on what works best your situation, the payment could be either a lump sum settlement or an installment plan.
Additionally they will also be working with creditors so that you can enjoy better rates when you make deposits to your savings account. This in turn, will be processed to pay back the creditors. The plans they offer can help you settle the debt within two years.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you have to do is log in to CuraDebts’ client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to satisfy their criteria first. For eligibility, you’ll need to be:
- At least 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they help you?
Here are the various ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with your debt. They can negotiate settlements on behalf of you for most types of debt. These include personal loans, medical bills credit cards, as well as line of credit. You can also approach them to pay off any remaining balance of business debt and collections or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you won’t get support for most claims, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if they are possible. Some violations can also lead to having your debts also dismissed.
CuraDebt also allows you to repay debt for less than the amount you own. You can also inquire about your debt during their no-cost consult with their debt counsellor.
The best part about their program is that you will only be charged when your debt is paid off. All you have 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 help you with your tax debt. Once they collect all of your financial records They will also gather all the documents you’ll require for tax returns.
With this program, you should be able to deal with the various types of tax problems such as garnishments on wages, tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees neither are there hidden fees. They use only flat-fee pricing that is based on the amount you’ll must 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 abatements
- Currently non-collectible
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What kinds of debts are they able to help with?
Although debt settlement is their specialization however, they do not cater to all types of settlement. CuraDebt is only focused on loans that are not secured. They aren’t able to help you if the loan or debt is linked to an item that is physical.
However, if you have the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without any issues. Additionally, this service is offered to all 50 states if you have a debt towards the IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some cases you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. However, they can assist private students in negotiating any loans they are owed.
Personal Loan
Personal loans and payday loans are also eligible as debt-settling programs. It is also possible to avail the program the program if you have other unsecure 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 and private-label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. You’ll only pay once you’ve paid each of your outstanding debts.
Additionally, they do not charge high fees as well. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
On average, this type of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debt from two to four years. But, it also differs depending on the amount that you can save up per month.
Also, they claim you can save as much as 30% when you factor in their fees in your equation.
However, this statement will depend on your situation. Some customers even claimed to save 50 to up to 80%.
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Benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt only charges you once you’ve paid off your debt. In addition, they only charge 20% of the cost, whereas many companies charge 25 percent.
Then, if you’re done in the process of debt resolution you may enroll in their credit restoration program.
It’s an excellent method to improve your credit score without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can help with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also be looking into any creditor violations with the assistance of their experts in-house.
Some disadvantages to the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with your credit card. So if you’re trying to build a better credit score, it might delay you from getting rid of your credit card debt.
CureDebt doesn’t even have a mobile app. While they do have a website for clients however, it appears aged and simple. It’s not very user-friendly, and can be challenging to navigate.
Furthermore, they are not credited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to resolve your debt without having to spend more for these types of services. Moreover, their 20% service fee is lower than many businesses that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay when the debt is paid off.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app that will make it easier to look at your performance.
But, they do have a good support team that you can contact them not just via email but also by phone or making an electronic ticket. Relief From Nys Tax Debt
If the credit card is a major problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Relief From Nys Tax Debt
How long does it take to finish the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt has a tax relief program that will aid you in dealing with problems like delinquent tax issues and wage garnishments.
What do I need to do after joining the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to reduce your debt over time.
