Has your debt been piling up lately? Are you burnt out from trying other financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because already tried every thing.
In most cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is one of the most asked companies. A lot of people are asking if they are able to help or put you in more debt.
According to their customers, they can help you control 80% of your debt , so you can take couple of things off your plate.
But for some people, these claims are just 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 suggested by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before starting the review, watch this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you continue, 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 of CuraDebt.
About the Company Rhode Island Property Tax Relief Credit
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been a participant in 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 CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. But they offer additional services to help you be more financially secure.
The process starts by requesting a no-cost online savings estimate. This service is very confidential and won’t conduct a credit inquiry. By using this estimate of savings you’ll learn more about your alternatives to be debt-free.
The savings estimate, as mentioned previously, offers you the opportunity to consider your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with the process of credit arbitration should you choose to join. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement plan, CuraDebt will be the agency to answer all of your creditor’s calls. They’ll be the ones who determine what you will pay for your payment based on the status of your finances. In determining which option is the best your situation, the payment can be either a lump sum settlement or an installment plan.
Moreover they will work with creditors so that you can enjoy better rates when you transfer money into your savings account. This, is then processed to pay back the creditors. Their plans can help you pay off the debt in 48 months.
After you’ve registered with them, they’ll allow you access to your account information 24 hours a day. All you have to do is login to CuraDebts Client Portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans credit cards and also loans. They can also be approached to settle any outstanding balance on business debt and collections or repossessions.
They can even help negotiate with back taxes and IRS debt. However, you won’t get assistance for the majority of your lawsuits, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they will help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt can also help you settle debt with less than the amount you have. You can also ask questions during their free consultation with their debt advisor.
The greatest benefit of their plan is that you only be charged when your debt is paid off. All you have to sign up to any of the plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documentation They will also gather all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve various tax issues like wage garnishments as well as tax penalties for personal and corporate taxes, back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs also. They only offer flat-fee prices that is based on the amount you’ll need to settle.
They have different solutions in 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 help you with?
Although they specialize in debt settlement, it is not their specialty, they don’t provide all kinds in debt resolution. CuraDebt only focuses on debt that is not secured. They aren’t able to assist you if your loan or debt is linked to an item that is physical.
If you do have the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without difficulty. Moreover, this type of service is accessible to all 50 states in the event that you owe money in arrears to IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students with negotiating any loans they owe.
Personal Loan
Personal loans and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards or private label credit cards CuraDebt will assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is the way the company has priced its services. They do not charge an upfront cost. You’ll only pay once you settle each of your debts.
Also, they do not charge high costs either. On average, you’ll be required to pay up to 20 percent of the debt you settled through them.
On average, this type of industry can charge anywhere between 15 and 25%.
In addition, customers can expect to pay off their debts in 2 to 4 years. But, it also differs in relation to the amount you can save up per month.
Also, they claim that you could save as much as 30% if you include their costs into your calculations.
But this claim will also differ based on the situation. Some customers have even talked about saving 50% to 80%.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt only charges you when you’ve paid off your debt. Furthermore they charge only an amount of 20%, while the majority of companies charge 25%.
If you’re finished by the program for debt relief, you can enroll in their credit repair program.
It’s a fantastic option to rebuild your credit without having to go back into debt. The program is however designed different for every person, depending on your situation.
Finally, CureDebt looks into your credit to assist with settlements and negotiations. So, your debt won’t increase over time. They’ll also look into any violations by creditors with the assistance of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using your credit card. Therefore, if you’re trying improve your credit score, it might delay you from getting rid of your obligations.
CureDebt does not have a mobile app available. While they do have a website for clients, it looks outdated and basic. It’s not very intuitive and could be difficult to navigate.
Furthermore, they are not recognized by an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that allows you to pay off your debts without spending more on those types of services. In addition, their 20% service cost is lower than many companies that offer a 25% fee. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account to see your progress however, their website isn’t user-friendly. CuraDebt also doesn’t have an app yet, which will make it easier to monitor your progress.
But, they do have a competent support staff, and you can reach them not only through emails but by phone or by submitting an electronic ticket. Rhode Island Property Tax Relief Credit
If credit card is a major issue right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the programs they offer are available in your state.
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FAQ Rhode Island Property Tax Relief Credit
How long will it take to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Yes, CuraDebt offers a program for tax relief to assist you with issues such as delinquent payroll tax and garnishments of wages.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with the team and make the necessary payments to lower the amount of debt you have over time.
