Are you experiencing debt that has been piling up lately? Are you burnt out from trying various financial advice and strategies but haven’t solved your problems?
Maybe you’re here because been through every thing.
In most cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they can assist you or help you get into more debt.
According to their clients, they can assist you in managing 80percent of your debt so that you can take couple of things off your plate.
But for some people, these claims are just too good to be true.
You might be looking for something that will assist you in paying off your debt. In this scenario, CuraDebt will mostly be recommended by people. We’ll take a deeper study of the way CuraDebt works and what problems it can solve for you.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before you begin the review, you can check out this video instead in case you would prefer to watch it.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief For Elderly Florida Property Owners
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. They also provide additional services to assist you in becoming financially secure.
It all starts by requesting a no-cost online savings estimate. This service is very confidential and won’t be doing a credit check. With this savings estimate you’ll be able to be able to learn more about the options to be debt-free.
Savings estimates, as we’ve mentioned previously, offers you 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 assist you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement program, CuraDebt is the agency to answer all of your creditors’ calls. They will also be the ones that determine conditions of the repayment based on the status of your financial situation. Based on what works most effectively for you, it could either be a lump sum settlement or a payment plan.
Furthermore they will be working with lenders to help you enjoy better rates when you transfer money into your savings account, which in turn, will process to pay off the creditors. Their programs can assist you to pay off the debt in two years.
After you’ve signed up 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 performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. For eligibility, you’ll need to meet the following requirements:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they help you?
Here are the various ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. These include personal loans, medical bills, credit cards as well as lines of credit. You can also approach them to pay off any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate with back taxes as well as IRS debt. However, you won’t get assistance with the majority claims, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations so that you can have cash settlements, if possible. Certain violations could lead to having your debts dismissed as well.
CuraDebt lets you settle debt with less than the sum you have. You can also ask questions during their free meeting with their debt counsellor.
The most appealing aspect of their program is that you will only be charged after your debt has been settled. All you need to do is sign up with some of their programs 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’ve gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to deal with the various types of tax problems such as garnishments on wages as well as tax penalties for personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only offer flat-fee prices and is dependent on the amount you’ll have to pay.
They have different solutions in paying off taxes. Here are six of them:
- 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 are they able to help with?
Although debt settlement is their forte, they don’t cater to all types in debt resolution. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if your debt or loan is tied to a physical item.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to settle 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 federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students with negotiating the student loans they are owed.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card, CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They don’t charge upfront fees. Only pay when you have paid off all of your debts.
Also, they do not charge high costs either. In the average, you’ll need to pay between 20 and 20% of the debt you settled through them.
In general, this type of industry can charge anywhere from 15% to 25 percent.
Moreover, clients can expect to pay off their debts in 2 to 4 years. But, it also differs in relation to the amount you save per month.
They also claim you can save up to 30% when you factor in their costs into your calculations.
However, this statement will vary, depending on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt offers, let’s look into the advantages that come with using CuraDebt.
The first is that CuraDebt only charges you once you’ve paid off your debt. Additionally 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 restoration program.
It’s a fantastic method to improve your credit score without going back into debt. The program is however designed in a different way for each individual, depending on your situation.
Finally, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also look into any creditor violations with the help of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief often require you to stop paying with the credit card you use. So if you’re trying to build a better credit score, it may delay you from working on your obligations.
CureDebt doesn’t even offer a mobile application. Although they have a client website however, it appears aged and simple. It’s not very intuitive, and it can be challenging 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 useful program that allows you to resolve your debt without having to spend more for these types of services. Moreover, their 20% service charge is less expensive than the majority of businesses that charge the 25% cost. There aren’t any upfront fees and you’ll only be required to pay once the debt is paid off.
Although they’ll give you an account to see your progress however, their website isn’t user-friendly. CuraDebt does not have an app, which will make it easier to track your progression.
But, they do have a great support team and can be reached them not just via email but by phone or by sending an electronic ticket. Tax Relief For Elderly Florida Property Owners
If the problem of debt is an problem, then we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they offer are available in your state.
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FAQ Tax Relief For Elderly Florida Property Owners
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 assist with tax problems in the state?
It is true that CuraDebt offers a program for tax relief that will help you with problems like delinquent tax issues and garnishments of wages.
What should I do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to lower your debt over time.
