Checking your credit on a regular basis is a great way to improve your financial health. Make sure you know your credit score and how credit works.
A great quote from the financial guru Dave Ramsey.
CuraDebt is one of the most experienced debt relief services companies in the industry and has been in business for over 15 years. The company’s experienced advisors are certified help to families and businesses during times of economic hardship, save money on their unsecured debts and provide the best options for their customers. CuraDebt provides the full spectrum of debt relief services including: debt settlement, tax debt relief, debt negotiation and debt consolidation services.
CuraDebt is a member of several debt settlement industry organizations including, the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). They are also members of the Online Business Bureau, Netcheck Commerce Bureau and the U.S. Chamber of Commerce.
CuraDebt Reviews and Testimonials
While you can find numerous CuraDebt reviews online, listed below there are some recent examples of their award winning service and wonderful customer testimonials to help you make an informed decision about your debt relief provider. CuraDebt has over seven hundred and fifty positive reviews from happy customers who were previously in a financial situation similar to your own.
Review site, Shopper Approved awarded CuraDebt with a Five Star Excellence Award where they have consistently received positive customer reviews. Consumer watchdog site, Top Consumer Reviews has ranked them #1 for seven years in a row for debt settlement and tax debt relief services. Another review site, Customer Lobby showcases all of their wonderful reviews and displays a perfect 5 out of 5 star rating.
How CuraDebt Works
CuraDebt offers a complementary analysis of customers’ debts which does not involve a credit check and is 100% confidential. An experienced professional reviews the best debt reduction/elimination possibilities without any obligation, whatsoever. They will provide a customized plan which details the course of action, any related fees and the results to expect. CuraDebt advisors can help customers with the following types of unsecured debts:
- Credit card debts
- Personal loans
- Lines of credit
- Overdue medical bills
- Debts incurred from a business
- Tax debts from the IRS or States
CuraDebt cannot assist customers with “secured debt”, or debts tied to property. These types of debt include: home loans or mortgages, auto loans, utility liens and lawsuit liens. Once you agree to use their services, the company provides a seasoned team of lawyers, financial advisors and debt experts to work on your behalf. This group has extensive experience in negotiating and making settlements with creditors. In addition, they will take all of the calls from lenders and collection agencies so you never have to hear from them again.
CuraDebt offers a free, no-obligation debt evaluation consultation where a debt relief professional will meet with you to discuss your situation and determine the best course of action. The company does not charge any upfront fees and is upfront about and charges you may incur. The overall costs will vary based upon the number of creditors owed, credit balances, customer’s ability to pay monthly and the amount that can be negotiated down.
While CuraDebt doesn’t guarantee to eliminate all of your debt, the volumes of positive reviews and their industry accolades indicates that they are truly a great company to work with to reduce the burden of unsecured debts. CuraDebt can be reached at 877-850-3328. The company is active on social media and you can visit them on Facebook, LinkedIn, Twitter and Google Plus.
Excessive credit card debt, student loans and mortgages that people can’t afford are issues that millions of people are currently facing. Luckily, there are sensible solutions and companies such as CuraDebt to assist people in reducing or completely removing their debt. If you’re finding it an increasing tough to pay your month-to-month expenses and you’re borrowing or jumping paycheck to paycheck and from one charge card to another, it’s time to take a serious look at these remedies.
Consumer Credit Counseling – Perhaps you’ve thought about, or even spoken someone from a consumer credit counseling organization in order to get your finances under control. Consumer credit counseling companies are typically categorized as “non-profit” companies who assist debtors in planning budgets to repay their debts. The major criticism of consumer credit history counseling agencies is the potential conflict of interest since each office is primarily funded by voluntary contributions from the same financial institutions that receive payments from debtors repaying their debts.
Debt Consolidation – Debt consolidation involves getting a loan to integrate numerous loans, including credit card debts into one lending. Put another way, debt consolidation is the procedure of taking out a new loan to pay off a number of other financial obligations. Most individuals that consolidate their financial obligations are typically doing so to reduce their interest rate, or to reduce their bills with the simplicity of a single loan payment. This is a common solution for people with credit problems (such as maxed-out charge cards, mortgages, student loans), that integrate all their financial obligations into one loan. Typically people seeking to consolidate their financial obligation need to have adequate equity in their homes, which is used as security or collateral. Be very cautious when considering this choice, as 85% of individuals who have gone this route have actually maxed out their credit cards again within 24 months of getting a debt consolidation loan and in addition, owe two times as much money as they did before combining their financial obligations. Still, debt consolidation can be really beneficial to individuals who are disciplined enough to continually make their month-to-month financing payments, and demonstrate self control to not utilize charge cards for pointless purchases.
Debt Negotiation – Debt negotiation is a procedure that entails working with your financial institutions and eventually reaching a mutually reasonable negotiation, which is usually 50% or much less of the overall quantity of financial obligation you owe. In order to qualify for debt negotiation, your accounts must be significantly delinquent and you need to be able to forward the settlement funds to the financial institution prior to the due date. If you are unable to meet that agreement then the negotiation arrangement will certainly become null and void and you will continue to owe your original debt amount. Debt negotiation is a good choice for individuals who simply cannot manage their monthly payments and prefer to eliminate their financial obligation within 3-12 months. It is highly recommended that you work with a debt relief agency who is experienced in negotiating with financing companies to produce the best result on your behalf.
Bankruptcy – As I’m sure you are well aware, bankruptcy is truly the “worst case scenario” for most individuals. This is due to the fact that individuals that file bankruptcy are faced with the personal bankruptcy being made a matter of public record, as well as enduring a negative credit history for a period of 7-10 years. If your bills are unmanageable and it’s impossible for you to commit to a long term settlement arrangement, or even obtain adequate funds for debt settlement, this could be your only choice.
I highly recommend that you take into consideration all of your options, and approach each of these with an open mind. Visit the CFPB for common sense tips and speak with debt relief professionals who have experience assisting thousands of people just like you who feel trapped in their financial situation. What matters most is that you effectively remove your debt and start enjoying your life again.
The National Foundation for Credit Counseling® (NFCC®)