Are you experiencing debt that has been piling up lately? Are you exhausted from trying various financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the companies that get the most inquiries. A lot of customers have asked if they are able to help or help you get into more debt.
According to their clients they can help you manage 80% of your debts so that you are able to take couple of things off your plate.
However, for certain people the claims seem too good to be true.
If you’re looking for any solution that could help you resolve your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can solve for you.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before starting the review, check out this video instead if you prefer 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 review. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Alabama Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. However, they also offer other services that can help you be more financially stable.
The process begins with requesting a free online savings estimate. The service is completely confidential and they will not conduct a credit inquiry. With this savings estimate you’ll be able to be able to learn more about the options to be debt-free.
The savings estimate, which was mentioned previously, offers you an insight into your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with credit arbitration in the event that you decide to sign up. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement program, CuraDebt will be the agency to answer all of the calls from your creditors. They’ll also be the ones who will determine conditions of the settlement depending on the condition of your finances. Depending on which works most effectively for you, it can be a lump-sum settlement or a payment plan.
Moreover, they will be working with the creditors so that you can have better rates as you deposit money to your savings account. This, in turn, will be processed to pay the creditors. Their plans can help you pay off the debt in the period of 48 months.
After you’ve signed up with them, they’ll allow you access to your data 24/7. All you need to do is log in to CuraDebts’ client portal to monitor your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you?
Here are some of the ways CuraDebt can aid you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. They can help with personal loans, medical bills credit cards, and also lines of credit. They are also able to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive assistance with the majority of your lawsuits, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the other hand, they will help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations to ensure that you receive cash settlements, if possible. Some violations can also result in having your debts removed as well.
CuraDebt can also help you pay off debts with less than the amount you own. They also allow you to ask questions during their free meeting with their debt counselor.
The best part about the program is that you will only be charged after your debt has been settled. All you need to sign up for some of their programs, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial records They will also gather all the documents you’ll require for tax returns.
Through this program, you will be able to resolve different types of taxes like garnishments on wages and tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges also. They only use flat-fee pricing that is based on the amount you’ll have to pay.
They offer different options in paying off your 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 types of debt are they able to help with?
While debt settlement is their forte but they aren’t able to offer all kinds in debt resolution. CuraDebt concentrates on loans that are not secured. They won’t be able to assist you if your debt or loan is tied to a physical item.
If, however, you are in the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to settle taxes that are due without difficulty. Moreover, this type of service is accessible to all 50 states in the event that you owe money to the IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students negotiate the student loans they owe.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines that you got from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt will assist you in paying it off.
How much will it cost?
The best part about CuraDebt’s pricing is how the company has priced its services. They do not charge an upfront cost. The only time you pay is when you have paid off all of your debts.
Also, they don’t have high-cost fees as well. In the average, you’ll need to pay up to 20 percent of the debt that you settled through them.
In the average, this kind of business can cost anywhere between 15% and 25 percentage.
In addition, customers can expect to settle their debts within 2 to 4 years. But, it also differs according to the amount you can save up per month.
Additionally, they claim that you can save as much as 30% when you factor in their charges into your calculation.
However, the claim may depend on your situation. Some customers have even talked about saving between 50% and up to 80%.
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Benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt can provide, let’s look into the advantages of using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. Additionally they only charge 20% of the cost, whereas many companies charge 25%.
If you’re finished with the debt settlement program you may also sign up for their credit restoration program.
It’s a fantastic way to restore the credit rating without having to go back into debt. However, the program runs in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also investigate any violations of creditor using their in-house experts.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with . If you’re trying to increase your rating on your credit, this could delay you from working on your debt.
CureDebt doesn’t even offer a mobile application. While they do have a client website however, it appears old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more for these types of services. In addition their 20% service fee is less expensive than the majority of firms that charge the 25% cost. There are no upfront payments, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account that allows you to track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app that will make it easier to track your progress.
They do have a good support team that you can contact them, not only via emails but also by phone or sending an electronic ticket. Alabama Tax Relief
If credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services they provide are in your state.
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FAQ Alabama Tax Relief
How long will it take to complete the program?
The program typically takes between 24 and 48 months depending on the amount of your debt and the stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs to aid you in dealing with problems such as delinquent payroll tax issues and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to reduce your debt over time.
