Are you experiencing debt that has increased lately? Are you exhausted from trying different financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through everything.
In most cases, the best way is to approach professionals that can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. A lot of people have been inquiring whether they can assist you or help you get into more debt.
According to their clients they can assist you in managing the majority of your debt , so you can take few things off of your mind.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of the way CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before you begin the review, watch this video instead for a more relaxing way to watch it.
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. After, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company 529 Tax Relief For
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is the most well-known feature. But they offer additional services to aid you in becoming more financially secure.
First of all, it begins by requesting a free online savings estimate. It is a completely private service and they will not conduct a credit inquiry. With this estimate of savings you’ll be able to be able to learn more about the alternatives to debt-free.
Savings estimates, which was mentioned previously, offers you an idea of your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration in the event that you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following your debt settlement plan, CuraDebt will be the company to handle all of the calls from your creditors. They will also be the ones who determine conditions of the settlement in accordance with the state of your financial situation. Based on what works most effectively for you, it can either be a lump sum settlement or the option of a payment plan.
Additionally, they will be working with the creditors to ensure that you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay off creditors. Their programs can assist you to pay off the debt in two years.
Once you’ve signed up with them, they will give you access to your information 24/7. All you have to do is sign in to CuraDebts’ client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll need to be:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans credit cards as well as lines of credit. They can also be approached to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t 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 other hand, they will assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if they are possible. Certain violations could result in having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you own. They also allow you to ask questions during their free meeting with their debt counsellor.
The best part about their plan is that you’ll only pay the fees after your debt has been settled. All you have to sign up for one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial documents, they will also collect all the necessary paperwork for tax returns.
Through this program, you should be able to deal with various tax issues like garnishments on wages, tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount that you’ll have to pay.
They have different solutions in paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt are they able to help with?
Although debt settlement is their specialization, they don’t provide all kinds of debt settlement. CuraDebt is only focused on debt that is not secured. They won’t be able to help you if your debt or loan is tied to an actual item.
If you do have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able pay off tax debts that were due to be paid without any problems. Moreover, this type of service is accessible to all 50 states in the event that you have a debt towards the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students with negotiating the student loans they are owed.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, or private label credit cards CuraDebt will assist you in paying it off.
How much will it cost?
The best part about CuraDebt is how they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you’ve paid each of your outstanding debts.
Also, they don’t charge high costs either. On average, you’ll have to pay between 20 and 20 percent of the debt you settled with them.
On average, this type of business can cost anywhere between 15 and 25%.
In addition, customers can expect to settle their debt from between 2 and 4 years. However, this also varies depending on the amount that you can save up per month.
Also, they claim that you could save as much as 30% if you include their charges into your calculation.
However, this statement will differ based on the situation. Some customers even claimed to save between 50% and 80%.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, let’s look into the advantages of using CuraDebt.
In the beginning, CuraDebt will only charge you when you’ve paid off your debt. Additionally they charge only an amount of 20%, while the majority of companies charge 25 percent.
If you’re finished in the process of debt resolution you can enroll in their credit repair program.
It’s a fantastic option to rebuild your credit score without having to go back into debt. The program is however designed 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 your debt won’t increase as time passes. They’ll also investigate any violations by creditors with the help of their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to cease making payments with . If you’re trying to increase your credit score, it could cause you to delay finishing your obligations.
CureDebt also doesn’t have a mobile app available. While they have a client website however, it appears old and mundane. It’s not particularly user-friendly, and can be challenging 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 useful program that allows you to settle your debt without spending more on these kinds of services. Additionally their 20% service fee is less expensive than the majority of firms that charge an additional 25% charge. There is no upfront payment and you’ll only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account to see your progress, their website is not simple to navigate. CuraDebt does not have an app that would make it easier to look at your progression.
But, they do have a competent support staff, and you can reach them, not only via emails but also by phone or making an electronic ticket. 529 Tax Relief For
If the credit card is a major problem, then we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs that they provide are offered in your state.
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FAQ 529 Tax Relief For
What is the time frame to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt has a tax relief program that will help you with problems such as delinquent payroll tax issues and wage garnishments.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with the team and make the necessary payments to pay down your debt over time.
