Are you experiencing debt that has been piling up lately? Are you burnt out from trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, the best option is to speak with experts who can assist you resolve the issue.
CuraDebt is one of the most asked companies. A lot of customers have asked if they can help you or put you into more debt.
According to their clients, they can assist you in managing the majority of your debts so that you are able to take couple of things off your plate.
But for some people the claims seem too good to be true.
If you’re looking for something that will assist you in paying off your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth study of how CuraDebt is used and the problems it can solve for you.
In addition, prior to our conclusion our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, check out this video instead if you prefer 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 review. Afterward, you will want to read the rest of the article for a more comprehensive review.
About the Company Senior Tax Relief In Ny
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. However, they also offer other services that can aid you in becoming more financially stable.
It all starts by requesting a no-cost savings estimate on the internet. The service is completely confidential and won’t conduct a credit inquiry. With this estimate of savings, you will discover more about options to debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an idea of your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to help you with credit arbitration in the event that you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt will be the company to handle all of the calls from your creditors. They will also be the ones that will negotiate the terms of your payment based on the status of your financial situation. Depending on which works best your situation, the payment could be a lump-sum settlement or an installment plan.
Moreover, they will work with creditors to ensure that you get better rates when you deposit money to your savings account. This, in turn, will process to pay back creditors. Their plans can help you settle the debt within 48 months.
After you’ve signed up with them, they will provide you with access to your information 24/7. All you have to do is login to CuraDebts’ client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf for most types of debt. They can help with personal loans, medical bills credit cards, as well as line of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you won’t get support for most of your lawsuits, government loans as well as collateral and 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 debtors who are in violation to ensure that you receive cash settlements, if they are possible. Some violations can also result in having your debts also dismissed.
CuraDebt lets you settle debt with less than the amount you have. You can also inquire about your debt during their no-cost consult with their debt counsellor.
The greatest benefit of their plan is that you’ll only pay the fees after your debt has been settled. All you have to sign up for one of their plans, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they collect all of your financial documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
Through this program, you’ll be able to resolve different types of taxes like garnishments on wages as well as tax penalties for personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges also. They use only flat-fee pricing that is based on the amount you’ll have to pay.
They offer different options when it comes to paying off taxes. 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 types of debt can they help you with?
While debt settlement is their specialty, they don’t offer all kinds of settlement. CuraDebt concentrates on unsecured debt. They won’t be able to help you if your loan or debt is linked to an actual item.
However, if you have one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able pay off taxes that are due without difficulty. Furthermore, this service is accessible across all 50 states, if you owe money in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some instances you might even be able to pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not offer Federal student loan. They can however assist private students with negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you 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 will assist you in paying it off.
What is the cost?
The best part about CuraDebt’s pricing is how they’ve priced their services. They don’t charge upfront fees. You’ll only pay once you have paid off all of your outstanding debts.
They also don’t charge high charges either. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
In the average, this kind of industry can charge anywhere between 15% and 25 percent.
In addition, customers can expect to settle their debts within 2 to 4 years. However, this also varies in relation to the amount you are able to save each month.
Also, they claim that you can save as much as 30% by incorporating their costs into your calculations.
However, this statement will depend on the situation. Some clients even mentioned saving 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 look into the advantages that come with using CuraDebt.
First, CuraDebt is only charged when you’ve paid off your debt. In addition they only charge an amount of 20%, while many companies charge 25 percent.
Then, if you’re done by the program for debt relief, you could enroll in their credit repair program.
It’s an excellent method to improve your credit without having to go into debt again. However, the program lasts different for every person according to your personal situation.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also investigate any violations by creditors with the assistance of their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with your credit card. So if you’re trying to increase your credit score, it could delay you from finishing your debt.
CureDebt doesn’t even have a mobile app. While they have a client website but it’s outdated and basic. It’s not particularly user-friendly, and can be challenging to navigate.
In addition, they’re not credited with their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on these kinds of services. Moreover, their 20% service charge is less expensive than the majority of firms that charge an additional 25% charge. There aren’t any upfront fees, 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 user-friendly. CuraDebt also doesn’t have an app that would make it easier to look at your progression.
They do have a competent support staff that you can contact them not only through emails but by phone or by making an electronic ticket. Senior Tax Relief In Ny
If the debt is a big problem, then we highly recommend CuraDebt’s program. Be sure to be eligible and that the programs they offer are available in your area.
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FAQ Senior Tax Relief In Ny
What is the time frame to complete the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt has a tax relief program to assist you with issues such as late payroll tax issues and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll be required to communicate with your team members and pay the required payments to lower the amount of debt you have over time.
