Have your debts been increasing lately? Are you tired of trying various financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve already tried every thing.
In most cases, the most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is one of the most asked companies. A lot of people are asking if they are able to help or put you into more debt.
According to their clients, they can help you manage 80percent of your debt , so you can take few things off of your shoulders.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of how CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before starting the review, you can check out this video instead for a more relaxing way for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Aaa Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited through 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 known feature. They also provide other services that can help you be more financially secure.
It all begins with requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this savings estimate, you will learn more about your alternatives to debt-free.
Savings estimates, as we’ve mentioned previously, offers you the opportunity to consider your options, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you in navigating credit arbitration if you decide to join. Some financial advisors can help you in your debt-free journey.
After your debt settlement program is completed, CuraDebt will be the agency to take care of all the calls from your creditors. They’ll also be the ones who will determine what you will pay for your payment depending on the condition of your financial situation. Based on what works best to you, this can be either a lump sum settlement or a payment plan.
Moreover, they will be working with creditors to ensure that you enjoy better rates when you deposit money to your savings account, which in turn, will be processed to pay off creditors. Their plans can help you pay off the debt in the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you have to do is sign in to CuraDebts Client Portal to track your development.
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll have to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can aid you.
As their name suggests, CuraDebt will assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. They can help with personal loans, medical bills, credit cards and also line of credit. They can also be approached to pay off any remaining balance of business debt and collections or repossessions.
They can even help negotiate 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. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation to ensure that you receive cash settlements, if they are possible. Certain violations may lead to having your debts removed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. They also allow you to have questions answered during a free consult with their debt advisor.
The greatest benefit of the program is that you’ll only be charged when your debt is paid off. All you have to sign up to one of their plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documents They will also gather all the documents you’ll require to file tax returns.
Through this program, you should be able to resolve the various types of tax problems like garnishments on wages as well as tax penalties for personal and corporate taxes, back taxes and trust fund penalties and tax liens.
There aren’t any hidden charges either. They only use flat-fee pricing that is based on the amount that you’ll need to settle.
They offer different options in the settlement of your tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
What kind of debt can they help you with?
While debt settlement is their forte, they don’t provide all kinds of settlement. CuraDebt concentrates on unsecured debt. They won’t be able to help you if the debt or loan is tied to an actual item.
However, if you have one of the following kinds of debt, they’ll make arrangements for settlements.
With CuraDebt, you should be able to pay taxes that are due without any issues. Additionally, this service is offered to all 50 states if you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving these types of issues.
CuraDebt can also help resolve your medical debt. In some cases you could even settle them for less than what you owe.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. However, they can assist private students in negotiating the student loans they have to pay.
Personal loans and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The best part about CuraDebt’s pricing is how they’ve priced their services. They don’t charge upfront fees. You’ll only pay once you have paid off all of your debts.
They also don’t have high-cost costs either. On average, you’ll have to pay up to 20% of the debt you settled through them.
In general, this type of industry charges between 15% and 25%.
In addition, customers can expect to settle their debt from between 2 and 4 years. But, it also differs in relation to the amount you save per month.
Also, they claim that you could save as much as 30% if you include their charges into your calculation.
But this claim will also differ based on your specific situation. Some customers have even talked about saving between 50% and 80%.
The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. In addition they charge only 20% of the cost, whereas most companies charge you 25%.
Then, if you’re done in the process of debt resolution you could join their credit restoration program.
It’s a fantastic method to improve your credit score without having to go in debt again. The program is however designed differently for each person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any creditor violations with the help of their experts in-house.
The drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with . So if you’re trying to improve your credit score, it may cause you to delay getting rid of your debt.
CureDebt doesn’t even have a mobile app. Although they have a client website however, it appears old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not credited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to pay off your debts 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 aren’t any upfront fees, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account so that you can track your progress, their website is not easy to navigate. CuraDebt does not have an app, which will make it easier to track your progression.
They do have a competent support staff that you can contact them not just via email but by phone or by submitting an e-ticket. Aaa Tax Relief
If your credit card is a major issue right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the programs that they provide are offered in your state.
FAQ Aaa Tax Relief
What is the time frame to complete the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as the agreed 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 delinquent payroll tax and garnishments of wages.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with the team and pay the required payments to reduce your debt over time.