Have your debts increased lately? Are you tired of trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, your most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is among the most asked companies. A lot of people are asking if they can help you or put you into more debt.
According to their clients, they can assist you in managing the majority of your debts so that you can finally take a couple of things off your shoulders.
However, for certain people they believe these claims are too good to be true.
If you’re looking for anything that can aid you in settling your debt. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of the way CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before starting the review, go to this video for a more relaxing way 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 our article for a more comprehensive review.
About the Company Armland Tax Relief
CuraDebt is a debt relief company from 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 with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most well-known feature. However, they also offer other services that will assist you in becoming financially secure.
The process begins with requesting a free online savings estimate. This service is very confidential and they will not be conducting a credit screening. With this savings estimate, you will discover more about other options in your journey towards debt-free.
Savings estimates, as mentioned previously, offers you an idea of your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration in the event that you decide to sign up. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt will be the agency to take care of all the calls from your creditors. They’ll also be the ones that will negotiate conditions of the settlement in accordance with the state of your finances. Depending on which works best for you, it could be a lump-sum settlement or the option of a payment plan.
Moreover they will work with creditors to ensure that you get better rates when you make deposits to your savings account. This in turn, will be processed to pay the creditors. Their programs can assist you to pay off the debt in 48 months.
Once you’ve signed up with them, they’ll provide you with access to your information 24/7. All you have to do is log in to CuraDebts’ client portal so that you can monitor your development.
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can assist you.
The name of the company suggests that CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. These include medical bills, personal loans credit cards and lines of credit. They can also be approached to help settle any remaining balance of business debt, collections, or repossessions.
They may even assist you in negotiating for back taxes as well as IRS debt. But, you won’t receive assistance for the majority cases, loans from the government as well as collateral and utility bills. The same goes for 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 to ensure that you receive cash settlements, if they are possible. Certain violations could result in having your debts also dismissed.
CuraDebt also allows you to settle debt with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consult with their debt counsellor.
The most appealing aspect of their plan is that you’ll only be charged when your debt is paid off. 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 can also help you with taxes. After they have gathered all your financial records, they will also collect all the paperwork you’ll need to file tax returns.
Through this program, you’ll be able to deal with various tax issues like garnishments on wages, tax penalties, personal and business taxes and back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing and is dependent on the amount that you’ll need to settle.
They offer different options when it comes to settling taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kind of debt can they help you with?
Although they specialize in debt settlement, it is not their forte however, they do not cater to all types of settlement. CuraDebt concentrates on unsecured debt. They won’t be able to assist you if your credit or loan is tied to an item that is physical.
If, however, you are in the following kinds of debt, they will make arrangements for settlements.
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 accessible across all 50 states, if you have a debt to the IRS. There are federal tax experts who can assist you in resolving these types of issues.
CuraDebt can also help resolve your medical debt. In some instances you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students negotiate the student loans they are owed.
Payday loans and personal loans are also eligible for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is how the company has priced its services. They do not charge an upfront cost. Only pay when you settle each of your debts.
Also, they do not charge high fees as well. On average, you’ll be required to pay as much as 20 percent of the debt you settled through them.
In the average, this kind of business can cost anywhere between 15 and 25%.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. However, this also varies according to the amount you are able to save each month.
Also, they claim that you can save up to 30% by incorporating their fees in your equation.
However, the claim may depend on the situation. Some clients even mentioned saving between 50% and 80percent.
Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt can offer you let’s explore the benefits from using CuraDebt.
First, CuraDebt only charges you once you’ve paid off your debt. Furthermore they charge only a 20% fee while the majority of companies charge 25%.
If you’re finished by the program for debt relief you may also sign up for their credit restoration program.
It’s a fantastic way to restore your credit without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your credit to assist in settlements and negotiations. This means your debt won’t increase as time passes. They’ll also investigate any violations of creditor with the assistance of their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to cease making payments with your credit card. So if you’re trying to improve your standing on credit scores, you may set you back while you’re working on your credit card debt.
CureDebt does not have a mobile app available. Although they have a client website however, it appears outdated and basic. It’s not particularly intuitive, and it can be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more on those types of services. Moreover the 20% service cost is less expensive than the majority of businesses that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll allow you to access an account that allows you to track your progress but their website isn’t user-friendly. CuraDebt does not have an app yet, which would make it easier to monitor your progression.
They do have a good support team, and you can reach them not only through emails but also via phone or sending an electronic ticket. Armland Tax Relief
If your credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they provide are in your area.
FAQ Armland Tax Relief
How long will it take to complete the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the stipulated settlement.
Can CuraDebt aid with state tax problems?
Yes, CuraDebt offers a program for tax relief that will help you with problems such as late payroll taxes and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and pay the required payments to reduce your debt over time.