Are you experiencing debt that has been piling up lately? Are you exhausted from trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, the best way is to approach professionals that can help you resolve the issue.
CuraDebt is among the most asked companies. A lot of people are asking if they can help you or put you in more debt.
According to their clients, they can assist you in managing 80% of your debt , so you can take couple of w
orries off your shoulders.
But for some people, these claims are just too good to be true.
If you’re looking for something that will aid you in settling your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll take a deeper review of how CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before you begin the review, you can watch this video instead if you prefer watching 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. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tn Property Tax Relief For Seniors
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best known feature. But they offer other services that will aid you in becoming more financially secure.
It all begins by requesting a free savings estimate online. The service is completely confidential and won’t conduct a credit inquiry. With this estimate of savings you’ll be able to be able to learn more about the other options in your journey to debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an insight into your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to help you with credit arbitration if you decide to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to answer all of your creditors’ calls. They will also be the ones that will negotiate the terms of your repayment depending on the condition of your finances. In determining which option is the best for you, it could be either a lump sum settlement or a payment plan.
Furthermore they will be working with the creditors to ensure that you have better rates as you deposit money to your savings account. This, in turn, will process to pay creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve signed up with them, they’ll provide you with access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to track your development.
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need 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 the different ways CuraDebt can help you.
As their name suggests, CuraDebt can help you deal with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans credit cards, as well as lines of credit. They are also able to help settle any remaining balance of business debt collection, repossessions, or collections.
They may even assist you in negotiating on tax owed and IRS debt. However, you won’t get assistance for the majority of your lawsuits, government loans or collateral, as well as utility bills. The same goes for student loans.
On the contrary, they’ll assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors so that you can have cash settlements, if they are possible. Some violations can also lead to having your debts dismissed as well.
CuraDebt lets you repay debt for less than the amount you have. Additionally, you can ask questions during their free consult with their debt counselor.
The best part about the program is that you’ll only be charged when your debt is paid off. All you need to sign up to some of their programs, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial documentation, they will also collect all the documents you’ll require to file tax returns.
By using this program, you should be able to resolve the various types of tax problems such as garnishments on wages and tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs also. They only use flat-fee pricing, which depends on the amount you must settle.
They have different solutions when it comes to settling the tax debt. Here are six 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 help you with?
Although they specialize in debt settlement, it is not their specialization but they aren’t able to cater to all types of settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to assist you if your loan or debt is linked to an item that is physical.
If, however, you are in one of the following kinds of debt, they will make arrangements for settlements.
With CuraDebt the service, you’ll be able to pay your past-due tax debts without difficulty. Moreover, this type of service is available across all 50 states, if you owe money in arrears to IRS. They have federal tax experts to assist you with these types of issues.
CuraDebt will also help you resolve the medical bills. In certain cases you might even be able to pay them less than the amount you owe.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students with negotiating any loans they have to pay.
Payday loans and personal loans also qualify as debt-settling programs. You may also be eligible of the program if you also have other unsecured credit lines you obtained from an alternative financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is how they’ve priced their services. They do not charge an upfront cost. Only pay when you settle each of your debts.
Additionally, they don’t charge high costs either. On average, you’ll be required to pay up to 20 percent of the debt you settled with them.
On average, this type of industry can charge anywhere from 15% to 25%.
Moreover, clients can expect to pay off their debts in 2 to 4 years. But, it also differs depending on the amount that you are able to save each month.
Also, they claim that you could save as much as 30% when you factor in their fees in your equation.
However, the claim may vary, depending on the situation. Some customers have even talked about saving 50% to 80%.
The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can offer you let’s explore the benefits from using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. In addition they only charge an amount of 20%, while the majority of companies charge 25 percent.
If you’re finished by the program for debt relief you may join their credit repair program.
It’s a fantastic way to restore the credit rating without having to go in debt again. However, the program runs differently for each person according to your personal situation.
In the end, CureDebt looks into your debt so that they can assist with settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also investigate any creditor violations with the assistance of their own experts.
The drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief usually require that you stop paying with your credit card. Therefore, if you’re trying build a better rating on your credit, this could delay you from getting rid of your obligations.
CureDebt doesn’t even have a mobile app. While they do have a client website, it looks old and mundane. It’s not particularly intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they received an A+ rating.
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 a 25% fee. There is no upfront payment and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account that allows you to track your progress but their website isn’t easy to navigate. CuraDebt does not have an app yet, which would make it easier to track your progress.
However, they have a competent support staff, and you can reach them not only through emails but also by phone or making an e-ticket. Tn Property Tax Relief For Seniors
If the problem of debt is an problem right now, we highly recommend CuraDebt’s program. Be sure to be eligible and that the services they offer are available in your state.
FAQ Tn Property Tax Relief For Seniors
What is the time frame to finish the program?
The average program is between 24 and 48 months depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs to aid you in dealing with problems such as delinquent payroll tax issues and garnishments of wages.
What do I need to do after joining the program?
You’ll have to keep in constant contact with the team and make the necessary payments to lower your debt over time.