Have your debts increased lately? Are you tired of trying other financial tips and advice but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with professionals that can help you settle this issue.
CuraDebt is one of the most asked companies. Many people are asking if they can assist you or help you get into more debt.
According to their clients, they can help you control 80percent of your debt , so you are able to take couple of w
orries off your shoulders.
For some they believe these claims are too good to be true.
You might be looking for something that will help you resolve your debt. In that situation, CuraDebt will mostly be recommended by people. We’ll take a deeper review of how CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before you begin the review, watch this video instead if you prefer watching 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 the article for a more comprehensive review of CuraDebt.
About the Company State Of New Jersey Property Tax Relief Fund
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been a 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 it is accredited, certain states have imposed restrictions on their services.
What can CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer additional services to assist you in becoming financially stable.
It all starts by requesting a no-cost savings estimate online. It is a completely private service and won’t be doing a credit check. By using this estimate of savings you’ll be able to be able to learn more about the alternatives towards debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your choices, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to help you with the process of credit arbitration should you choose to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement program is completed, CuraDebt is the agency to handle all of the calls from your creditors. They will also be the ones that will negotiate conditions of the repayment in accordance with the state of your finances. Based on what works best to you, this can be either a lump sum settlement or an installment plan.
Furthermore they will be working with the creditors so that you can have better rates as you transfer money into your savings account. This, in turn, will be processed to pay back creditors. Their programs can assist you to settle the debt within 48 months.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you need to do is log in to CuraDebts the client portal to monitor your performance.
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 have to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are some of the ways CuraDebt can help you.
As their name suggests, CuraDebt can help you deal with 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 also line of credit. They can also be approached to settle any outstanding balance on business debt, collections, or repossessions.
They can even help negotiate on tax owed as well as IRS debt. However, you will not receive assistance for the majority claims, government loans or collateral, as well as utility bills. The same goes for 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 the violations of creditors in order to get cash settlements, should it be possible. Some violations can also lead to having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. They also allow you to ask questions during their free meeting with their debt counsellor.
The best part about the program is that you’ll only be charged once your debt is settled. All you have to sign up to one of their plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents They will also gather all the necessary paperwork for tax returns.
Through this program, you’ll be able to deal with various tax issues such as garnishments on wages, tax penalties, personal and taxation for business and back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They only use flat-fee pricing, which depends on the amount you’ll need to settle.
There are a variety of options for settling 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
What kinds of debts can they assist you with?
Although debt settlement is their specialization but they aren’t able to offer all kinds in debt resolution. CuraDebt concentrates on loans that are not secured. They can’t assist you if your loan or debt is linked to a physical item.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt, you should be able to pay taxes that are due without any issues. Moreover, this type of service is accessible to all 50 states if you have a debt to the IRS. There are federal tax experts that can help you resolve these kinds of problems.
CuraDebt can also assist in settling your medical debt. In certain cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students negotiate any student loans that they owe.
Payday loans and personal loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards or private label credit cards, CuraDebt can assist you in paying it off.
What is the cost?
The greatest thing about 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’ve paid each 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 that you settled through them.
In the average, this kind of industry can charge anywhere from 15% to 25 percentage.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs according to the amount you can save up per month.
Also, they claim that you could save up to 30% when you factor in their costs into your calculations.
But this claim will also vary, depending on the situation. Some customers have even talked about saving between 50% and 80percent.
The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you Let’s take a look at the benefits from using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. In addition they only charge an amount of 20%, while the majority of companies charge 25 percent.
Then, if you’re done in the process of debt resolution, you could enroll in their credit repair program.
It’s an excellent way to restore your credit without going in debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any violations of creditor with the help of their in-house experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with the credit card you use. Therefore, if you’re trying increase your credit score, it could cause you to delay working on your debt.
CureDebt does not have a mobile app available. While they do have a website for clients but it’s old and mundane. It’s not very intuitive and could be difficult to navigate.
In addition, they’re not recognized by the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on these kinds of services. Moreover, their 20% service charge is lower than many firms that charge the 25% cost. 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 so that you can track your progress but their website isn’t simple to navigate. CuraDebt does not have an app that will make it easier to monitor your progress.
But, they do have a great support team that you can contact them, not only via emails but by phone or by making an electronic ticket. State Of New Jersey Property Tax Relief Fund
If the problem of debt is an problem right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the programs that they provide are offered in your area.
FAQ State Of New Jersey Property Tax Relief Fund
How long will it take to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs to aid you in dealing with problems such as delinquent payroll tax issues and wage garnishments.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to reduce the amount of debt you have over time.