Are you experiencing debt that has been increasing lately? Are you tired of trying various financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, your best way is to approach experts who can assist 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 put you into more debt.
According to their customers, they can assist you in managing the majority of your debt so that you can take few things off of your mind.
For some, these claims are just too good to be true.
You might be looking for any solution that could assist you in paying off your debt. In this case, CuraDebt will mostly be suggested by people. We’ll take a deeper look at how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude we’ll look at its advantages and drawbacks.
Before you begin the review, watch this video instead if you prefer to watch it.
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 overview. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Texas Senate Select Committee On Property Tax Reform And Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been an active 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 settle your debt is the most well-known feature. They also provide additional services to assist you in becoming financially secure.
The process begins by requesting a free online savings estimate. The service is completely confidential and won’t conduct a credit inquiry. With this savings estimate, you will learn more about your other options in your journey to be debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an insight into your options regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with the process of credit arbitration should you choose to join. Some financial advisors can help you on your path to debt-free living.
After your debt settlement plan, CuraDebt will be the agency to answer all of the calls from your creditors. They’ll also be the ones that will determine conditions of the settlement in accordance with the state of your financial situation. In determining which option is the best to you, this can be either a lump sum settlement or an installment plan.
Furthermore, they will be working with the lenders to help you enjoy better rates when you deposit money to your savings account, which is then processed to pay off the creditors. Their programs can assist you to pay off the debt in 48 months.
Once you’ve signed up with them, they’ll allow you access to your data 24/7. All you need to do is log in to CuraDebts Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on behalf of you for the majority of 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 balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you will not receive support for most of your lawsuits, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations in order to get cash settlements, should it be possible. Certain violations may cause your debt to be dismissed as well.
CuraDebt lets you repay debt for less than the amount you own. They also allow you to inquire about your debt during their no-cost meeting with their debt counsellor.
The best part about the program is that you will only pay the fees when your debt is paid off. All you have to do is sign up with any of the plans, and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they collect all of your financial documents and tax documents, they’ll also collect all the necessary paperwork to file tax returns.
With this program, you’ll be able to deal with the various types of tax problems such as wage garnishments, tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs either. They only offer flat-fee prices and is dependent on the amount you must settle.
There are a variety of options in paying off the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts can they assist you with?
Although debt settlement is their specialty, they don’t provide all kinds of debt settlement. CuraDebt is only focused on unsecured debt. They can’t assist you if your loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without difficulty. Moreover, this type of service is accessible to all 50 states if you have a debt in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some cases you might even be able to pay them less than the amount you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate any student loans that they are owed.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible of the program if you also have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt is the way the company has priced its services. They do not charge an upfront cost. The only time you pay is when you have paid off all of your outstanding debts.
Additionally, they don’t have high-cost charges either. On average, you’ll be required to pay as much as 20% of the debt you settled through them.
In general, this type 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. However, this also varies depending on the amount that you are able to save each month.
Also, they claim that you could save up to 30% if you include their charges into your calculation.
However, this statement will depend on the situation. Some customers even claimed to save 50 to 80percent.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, let’s look into the advantages from using CuraDebt.
First, CuraDebt only charges you after you’ve settled your debt. Furthermore they charge only a 20% fee while most companies charge you 25%.
Then, if you’re done with the debt settlement program, you can also sign up for their credit restoration program.
It’s a fantastic method to improve your credit score without going into debt again. However, the program lasts differently for each person according to your personal situation.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. So, your debt won’t inflate over time. They’ll also be looking into any creditor violations with the help of their experts in-house.
Drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with . If you’re trying to increase your standing on credit scores, you could cause you to delay working on your obligations.
CureDebt does not have a mobile app available. Although they have a website for clients however, it appears aged and simple. It’s not particularly intuitive and could be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on these kinds of services. Additionally their 20% service fee is less expensive than the majority of companies that offer an additional 25% charge. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account to see your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app, which will make it easier to look at your performance.
They do have a competent support staff, and you can reach them not just via email but also via phone or making an electronic ticket. Texas Senate Select Committee On Property Tax Reform And Relief
If credit card is a major issue right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Texas Senate Select Committee On Property Tax Reform And Relief
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 help with state tax problems?
It is true that CuraDebt has a tax relief program that can help you with problems like delinquent tax issues and wage garnishments.
What do I need to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to lower your debt over time.
