Has your debt been increasing lately? Are you burnt out from trying other financial advice and strategies but haven’t solved your problems?
Maybe you’re here because you’ve tried everything.
In the majority of cases, the best way is to approach experts who can assist to resolve this issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they can help you or put you in more debt.
According to their customers, they can help you control 80% of your debt so that you can take few things off of your mind.
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 case, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of the way CuraDebt operates and what issues it could help solve.
Moreover, before we end our discussion, we’ll take a look at its benefits and drawbacks.
Before you begin the review, go to this video for a more relaxing way 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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company When Do Nys Property Tax Relief Check Go Out?
CuraDebt is a company that provides debt relief 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 has been accredited with the International Association of Professional Debt Arbitrators.
Although the service 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 other services that will assist you in becoming financially secure.
First of all, it begins with requesting a free savings estimate online. It is a completely private service and they will not conduct a credit inquiry. With this estimate of savings, you will be able to learn more about the options to debt-free.
Savings estimates, which was mentioned before, gives you an insight into your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement plan, CuraDebt can be the one to answer all of the calls from your creditors. They will be the ones who determine what you will pay for your repayment depending on the condition of your financial situation. Based on what works best for you, it can be either a lump sum settlement or a payment plan.
Moreover they will also be working with the creditors so that you can get better rates when you transfer money into your savings account. This in turn, will be processed to pay off the creditors. Their plans can help you get rid of debt in just the period of 48 months.
After you’ve registered with them, they’ll give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts’ client portal so that you can monitor your progress.
Before you can avail of the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the different ways CuraDebt can help you.
Like their name implies, CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans, credit cards and lines of credit. They are also able to settle any outstanding balance on business debt collection, repossessions, or collections.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive assistance with the majority of your lawsuits, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, if they are possible. Certain violations may cause your debt to be also dismissed.
CuraDebt lets you pay off debts with less than the amount you own. Additionally, you can ask questions during their free consult with their debt counselor.
The greatest benefit of their program is that you will only pay the fees after your debt has been settled. All you need to do is sign up with some of their programs and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. After they have gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require for tax returns.
With this program, you’ll be able to solve the various types of tax problems like wage garnishments, tax penalties, personal and corporate taxes as well as back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees also. They only offer flat-fee prices and is dependent on the amount you’ll have to pay.
They offer different options when it comes to the settlement of taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What types of debt can they help you with?
Although they specialize in debt settlement, it is not their specialization but they aren’t able to provide all kinds of debt settlement. CuraDebt is only focused on loans that are not secured. They can’t help you if your credit or loan is tied to an item that is physical.
If you do have the following kinds of debt, they will negotiate settlements on your behalf.
With CuraDebt the service, you’ll be able pay off taxes that are due without difficulty. Furthermore, this service is available across all 50 states, if you owe money towards the IRS. There are federal tax experts to assist you with the issues.
CuraDebt can also help resolve the medical bills. In some instances, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. However, they can assist private students negotiate the student loans they are owed.
Personal and payday loans are also eligible as debt-settling programs. You may also be eligible if you have other unsecured credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card CuraDebt will help you pay it off.
What will it cost you?
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.
They also do not charge high costs 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 charges between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. This varies according to the amount you save per month.
Also, they claim that you could save up to 30% if you include their charges into your calculation.
However, this statement will vary, depending on the situation. Some customers have even talked about saving 50 to 80%.
Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s explore the benefits from using CuraDebt.
First, CuraDebt only charges you when you’ve paid off your debt. Additionally they charge only a 20% fee while most companies charge you 25%.
Then, if you’re done with the debt settlement program, you may also sign up for their credit repair program.
It’s an excellent way to restore your credit without having to go back into debt. The program is however designed different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also investigate any creditor violations with the assistance of their own experts.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt settlement and debt relief usually require that you stop paying with your credit card. If you’re trying to increase your credit score, it may set you back while you’re working on your debt.
CureDebt also doesn’t have a mobile app available. While they have a client website but it’s outdated and basic. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not accredited with their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to pay off your debts without spending more on these kinds of services. Moreover their 20% service fee is cheaper than most businesses that charge an additional 25% charge. There aren’t any upfront fees and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account so that you can track your progress, their website is not simple to navigate. CuraDebt also doesn’t have an app yet, which could make it easier for you to monitor your progression.
They do have a competent support staff, and you can reach them not just via email but by phone or by submitting an electronic ticket. When Do Nys Property Tax Relief Check Go Out?
If your problem of debt is an problem, then we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services they offer are available in your area.
FAQ When Do Nys Property Tax Relief Check Go Out?
What is the time frame to complete the program?
The average program is 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?
Sure, CuraDebt offers a program for tax relief that can help you with problems such as delinquent payroll tax 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 your team members and make the necessary payments to lower your debt over time.