Has your debt been increasing lately? Are you tired of trying various financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the most effective approach is to talk to experts who can help you settle this issue.
CuraDebt is among the most frequently contacted companies. Many customers have asked if they can assist you or put you in more debt.
According to their customers, they can help you manage 80percent of your debt , so you can finally take a couple of things off your plate.
For some they believe these claims are 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 help you solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before you begin the review, you can check out this video instead if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company 280A Tax Relief Act
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is an active part of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is the most popular feature. However, they also offer additional services to aid you in becoming more financially secure.
The process begins with requesting a free savings estimate online. This service is very confidential and they will not conduct a credit inquiry. With this savings estimate you’ll discover more about other options in your journey to be debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an idea of 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 enroll. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement program, CuraDebt is the company to take care of all the calls from your creditors. They will also be the ones that will negotiate conditions of the payment based on the status of your financial situation. Depending on which works most effectively to you, this can either be a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with lenders to help you get better rates when you transfer money into your savings account. This is then processed to pay back creditors. Their plans can help you pay off the debt in 48 months.
After you’ve signed up with them, they’ll provide you with access to your data 24/7. All you have to do is log in to CuraDebts the client portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you with?
Here are some of the ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing your debt. They can negotiate settlements on your behalf for the majority of types of debt. This includes medical bills, personal loans credit cards and loans. They are also able to help settle any remaining balance on business debt and collections or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. However, you will not receive support for most claims, 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 in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be also dismissed.
CuraDebt lets you pay off debts with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consultation with their debt counselor.
The most appealing aspect of their plan is that you will only have to pay for the charges after your debt has been settled. All you need to sign up to some of their programs, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they collect all of your financial documentation They will also gather all the paperwork you’ll need for tax returns.
Through this program, you will be able to resolve various tax issues such as garnishments on wages, tax penalties, personal and taxation for business as well as back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees also. They only use flat-fee pricing and is dependent on the amount you must settle.
They have different solutions in settling the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt can they help you with?
Although debt settlement is their specialty, they don’t provide all kinds of debt settlement. CuraDebt concentrates on debt that is not secured. They won’t be able to help you if your credit or loan is tied to an actual item.
If you do have the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without difficulty. Additionally, this service is accessible across all 50 states, if you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some instances you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students in negotiating the student loans they owe.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. It is also possible to avail the program 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, traditional credit cards, as well as private label credit card, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you settle each of your debts.
Additionally, they don’t charge high charges either. On average, you’ll have to pay between 20 and 20 percent of the debt that you settled through them.
In general, this type of business can cost anywhere between 15% and 25 percent.
In addition, customers can expect to settle their debts within between 2 and 4 years. This varies according to the amount you can save up per month.
Also, they claim you can save as much as 30% when you factor in their fees in your equation.
But this claim will also differ based on your specific situation. Some customers even claimed to save 50 to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt can provide, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. In addition they charge only an amount of 20%, while most companies charge you 25%.
Then, if you’re done with the debt settlement program, you could also sign up for their credit repair program.
It’s a fantastic method to improve your credit score without going into debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also investigate any violations of creditor using their in-house experts.
The drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with the credit card you use. Therefore, if you’re trying build a better standing on credit scores, you might set you back while you’re finishing your obligations.
CureDebt also doesn’t offer a mobile application. Although they have a website for clients, it looks aged and simple. It’s not particularly intuitive and could be challenging to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more for these types of services. Moreover their 20% service charge is less expensive than the majority of businesses that charge a 25% fee. There aren’t any upfront fees, and you will only have to pay the fee when the debt is settled.
While they’ll provide you with an account to see your progress, their website is not user-friendly. CuraDebt does not have an app, which will make it easier to track your progress.
However, they have a good support team, and you can reach them not just via email but also via phone or sending an electronic ticket. 280A Tax Relief Act
If the problem of debt is an problem, then we highly recommend CuraDebt’s program. Be sure to be eligible and that the services they offer are available in your area.
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FAQ 280A Tax Relief Act
How long will it take to finish the program?
The average program is between 24 and 48 months dependent on the size of your debt and the stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program that will aid you in dealing with problems such as late payroll tax issues and garnishments of wages.
What do I need to do once I’m in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to lower your debt over time.
