Has your debt increased lately? Are you exhausted from trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve already tried everything.
In the majority of cases, your best way is to approach professionals that can help you settle this issue.
CuraDebt is one of the most asked companies. Many people are asking if they are able to help or put you into more debt.
According to their clients they can assist you in managing 80% of your debt , so you can finally take a couple of things off your mind.
For some the claims seem too good to be true.
If you’re looking for something that will help you resolve your debt. If that’s the case, CuraDebt will mostly be suggested by people. We’ll be taking a deep review of how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, you can watch this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Arizona Military Relief Fund Tax Credit
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. They also provide 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 won’t be conducting a credit screening. With this estimate of savings you’ll be able to discover more about other options in your journey to debt-free.
The savings estimate, which was mentioned earlier, provides you with the opportunity to consider your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to help you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt will be the company to answer all of the calls from your creditors. They’ll also be the ones that will determine conditions of the payment based on the status of your financial situation. In determining which option is the best your situation, the payment could be a lump-sum settlement or a payment plan.
Moreover they will be working with creditors to ensure that you have better rates as you transfer money into your savings account. This, in turn, will process to pay the creditors. Their plans can help you settle the debt within the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your data 24/7. All you have to do is log in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. These include personal loans, medical bills credit cards and loans. They are also able to pay off any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive support for most cases, government loans as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations in order to get cash settlements, should it be possible. Some violations can also result in having your debts removed as well.
CuraDebt lets you settle debt with less than the sum you have. You can also ask questions during their free consult with their debt counselor.
The greatest benefit of their plan is that you’ll only have to pay for the charges once your debt is settled. All you have to do is sign up with any of the plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require for tax returns.
Through this program, you’ll be able to solve different types of taxes like wage garnishments and tax penalties, personal and corporate taxes as well as back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs neither are there hidden fees. They use only flat-fee pricing that is based on the amount you’ll need to settle.
They have different solutions for settling the tax debt. 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?
While debt settlement is their specialization, they don’t provide all kinds of settlement. CuraDebt is only focused on unsecured debt. They can’t help you if the credit or loan is tied to an actual item.
If you do have the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able to settle tax debts that were due to be paid without any issues. Moreover, this type of service is offered to all 50 states in the event that you have a debt to the IRS. There are tax experts from the federal government that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students negotiate the student loans they are owed.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. You may also be eligible the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards, CuraDebt will 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 upfront fees. The only time you pay is when you settle each of your outstanding debts.
Also, they do not charge high costs either. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
On average, this type of industry can charge anywhere from 15% to 25%.
Moreover, clients can expect to settle their debt from between 2 and 4 years. This varies depending on the amount that you save per month.
Also, they claim that you can save as much as 30% if you include their charges into your calculation.
However, this statement will depend on your specific situation. Some customers have even talked about saving 50% to up to 80%.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt can provide, let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. Furthermore they only charge an amount of 20%, while most companies charge you 25%.
Next, if you’re done by the program for debt relief you can enroll in their credit restoration program.
It’s an excellent way to restore your credit score without going into debt again. However, the program runs different for every person according to your personal situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t inflate over time. They’ll also investigate any violations of creditor using their own experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using your credit card. If you’re trying to build a better rating on your credit, this might set you back while you’re getting rid of your debt.
CureDebt doesn’t even offer a mobile application. While they do have a website that clients can access, it looks aged and simple. It’s not particularly intuitive and could be challenging to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a great program that allows you to resolve your debt without having to spend more on those types of services. In addition the 20% service cost is cheaper than most firms that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay when the debt is paid off.
Although they’ll give you an account so that you can track your progress but their website isn’t user-friendly. CuraDebt isn’t even an app yet, which will make it easier to monitor your performance.
They do have a competent support staff that you can contact them not just via email but also via phone or making an e-ticket. Arizona Military Relief Fund Tax Credit
If the debt is a big problem right now, we recommend CuraDebt’s service. Make sure you’re qualified and that the services they provide are in your state.
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FAQ Arizona Military Relief Fund Tax Credit
How long will it take to complete the course?
The average program is 24 to 48 months, dependent on the size of your debt and the agreed settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt provides tax relief programs that will assist you with issues like delinquent tax issues and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce your debt over time.
