CuraDebt works with its clients to create a debt settlement plan that can help most people become debt free from their unsecured debts within 24 to 48 months. There are no upfront fees to get started, and the company provides a free consultation to learn how much you can save through debt settlement and decide if it’s the right course for you. In addition to unsecured debts like credit cards, CuraDebt can also help with tax debts, and private student loans. CuraDebt also promises to maximize creditor violations in order to help reduce amounts owed and help clients get cash settlements.
CuraDebt Debt Relief Terms & Requirements
CuraDebt offers debt settlement, debt consolidation, and debt relief services. They work through a network of lending partners and the terms of loans and settlements are not disclosed on their website. If, after consulting with you, they think debt consolidation is the best course of action and you meet the requirements, they’ll submit your information to their partner lenders. If they feel that other options will be better, they’ll explain why as well.
The best way to learn more about their services is to call them directly or fill out their Get Your Free Savings Estimate form on their homepage so they can get in touch with you.
There are different qualification requirements depending on the service you choose, but below are the requirements for a debt loan with CuraDebt partner lenders:
- Must be a US citizen or permanent resident.
- Must have a bank account and $4,000 monthly income.
- 700 credit score minimum.
- No late payments in the past two years.
- Nothing in collections.
- Loan amounts vary depending on the lender.
- APR ranges from 8% – 18%.
- Varies depending on the lender.
The quote and consultation process begins by filling out the online form on CuraDebt’s website. You’ll be asked for your name, email address, phone number, amount of debt, and the state you live in. Once you submit the form you’re asked to contact CuraDebt via telephone to speak with a counselor. They do not specify what information will be needed for this consultation, but it is safe to assume you’ll need the following at a minimum:
- Date of birth
- Proof of identity (Driver’s license, passport, ID card)
- Phone number
- Credit score
- Social security number
- Bank account information
- Proof of income
- Debt documents
Application Steps & Time Frames
CuraDebt doesn’t have any specifics regarding the onboarding process listed on their website. To get more details on the debt consolidation program and whether you qualify you must speak with a debt counselor over the phone or in person at their Florida offices. During the consultation process, you’ll be asked a series of questions regarding your current debts and financial situation to determine if CuraDebt’s services are right for you. If you do qualify, they will make a debt settlement plan for you and provide instructions on how to begin saving for future debt settlement. On average, they claim it takes 24 to 48 months to pay off all your unsecured debts. Note that acceptance into their program is dependent on meeting the requirements of their lenders.
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