Have your debts been increasing lately? Are you burnt out from trying various financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, the best way is to approach professionals that can help you settle this issue.
CuraDebt is among the most asked companies. A lot of people are asking if they can assist you or put you into more debt.
According to their customers, they can assist you in managing 80percent of your debt so that you can finally take a couple of w
orries off your shoulders.
But for some people, these claims are just too good to be true.
You might be looking for something that will aid you in settling your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth study of the way CuraDebt works and what problems it can solve for you.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before you begin the review, you can 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 review. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Senior Citizen Homeowner Property Tax Relief Nj
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. But they offer other services that will assist you in becoming financially secure.
First of all, it begins by requesting a free savings estimate online. This service is very confidential and won’t be conducting a credit screening. With this estimate of savings you’ll discover more about alternatives to be debt-free.
This estimate of savings, which was mentioned before, gives you an idea of your options regardless of whether you’re going to keep 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 join. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the agency to take care of all the calls from your creditors. They will also be the ones that will negotiate conditions of the repayment based on the status of your finances. Depending on which works most effectively for you, it can be either a lump sum settlement or the option of a payment plan.
Moreover they will also be working with the lenders to help you get better rates when you deposit money to your savings account. This, is then processed to pay off the creditors. Their programs can assist you to settle the debt within the period of 48 months.
After you’ve signed up with them, they will provide you with access to your data 24/7. All you have to do is login to CuraDebts Client Portal to monitor your progress.
Before you can avail of their program, you’ll need to pass their requirements first. To be eligible, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are the various ways CuraDebt can aid you.
As their name suggests, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. This includes personal loans, medical bills credit cards and lines of credit. They can also be approached to pay off any remaining balance on business debt and collections or repossessions.
They may even assist you in negotiating with back taxes as well as IRS debt. However, you will not 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 contrary, they’ll assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying debtors who are in violation so that you can have cash settlements, if they are possible. Certain violations could result in having your debts dismissed as well.
CuraDebt can also help you repay debt for less than the amount you own. You can also have questions answered during a free consultation with their debt advisor.
The best part about their program is that you only have to pay for the charges once your debt is settled. All you need to sign up to one of their plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they’ve gathered all your financial records They will also gather all the documents you’ll require for tax returns.
With this program, you should be able to solve various tax issues like garnishments on wages as well as tax penalties for personal and corporate taxes as well as 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 have to pay.
They have different solutions for paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kind of debt are they able to help with?
Although debt settlement is their forte but they aren’t able to provide all kinds of debt settlement. CuraDebt only focuses on debt that is not secured. They can’t help you if the credit or loan is tied to a physical item.
If you do have one of the following kinds of debt, they will make arrangements for settlements.
With CuraDebt the service, you’ll be able to settle your past-due tax debts without any problems. Moreover, this type of service is offered across all 50 states, if you owe money in arrears to IRS. There are federal tax experts who can assist you in resolving the issues.
CuraDebt can also assist in settling any medical-related debt. In some cases you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students with negotiating the student loans they have to pay.
Personal and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt can 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 don’t charge an upfront fee. Only pay when you’ve paid each of your debts.
Also, they do not charge high fees as well. In the average, you’ll need to pay up to 20 percent of the debt that you settled through them.
On average, this type of industry charges between 15% and 25 percentage.
Moreover, clients can expect to settle their debt from between 2 and 4 years. However, this also varies depending on the amount that you save per month.
Additionally, they claim that you can save up to 30% by incorporating their fees in your equation.
But this claim will also depend on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
Advantages to using CuraDebt
Now that you have an understanding of what CuraDebt offers, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. Furthermore they only charge an amount of 20%, while many companies charge 25%.
Then, if you’re done by the program for debt relief, you can enroll in their credit repair program.
It’s a fantastic option to rebuild your credit score without going back into debt. However, the program runs differently for each person, depending on your situation.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t inflate over time. They’ll also look into any violations by creditors using their own experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Settlement of debt and debt relief usually require that you cease making payments with your credit card. Therefore, if you’re trying build a better credit score, it could delay you from finishing your credit card debt.
CureDebt also doesn’t have a mobile app. While they have a client website however, it appears aged and simple. It’s not particularly intuitive, and it can be difficult to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more for these types of services. Additionally the 20% service cost is less expensive than the majority of companies that offer an additional 25% charge. There is no upfront payment, and you will only be required to pay once the debt is paid off.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app, which will make it easier to look at your performance.
However, they have a good support team that you can contact them not just via email but also by phone or submitting an e-ticket. Senior Citizen Homeowner Property Tax Relief Nj
If problem of debt is an problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your area.
FAQ Senior Citizen Homeowner Property Tax Relief Nj
How long does it take to complete the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt offers a program for tax relief that can assist you with issues such as delinquent payroll tax and garnishments on wages.
What’s the first thing I have to do after joining the program?
You’ll be required to communicate with your team members and pay the required payments to reduce your debt over time.