Has your debt been piling up lately? Are you burnt out from trying other financial tips and advice but haven’t solved your problems?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, the best way is to approach experts who can help to resolve this 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 customers, they can help you control the majority of your debts so that you can finally take a couple of things off your plate.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for something that will help you resolve your debt. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth review of the way CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude 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 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 will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Asset Protection And Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is the most popular feature. They also provide other services that will aid you in becoming more financially stable.
The process begins by requesting a free online savings estimate. It is a completely private service and won’t conduct a credit inquiry. By using this estimate of savings, you will be able to learn more about the alternatives to be debt-free.
Savings estimates, as mentioned earlier, provides you with the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with credit arbitration if you decide to sign up. Some financial advisors can help you on your path to debt-free living.
Following the debt settlement plan, CuraDebt can be the one to handle all of your creditor’s calls. They will also be the ones who will determine the terms of your settlement based on the status of your finances. Depending on which works best for you, it could be a lump-sum settlement or an installment plan.
Additionally, they will work with creditors so that you can have better rates as you deposit money to your savings account. This in turn, will process to pay the creditors. The plans they offer can help you get rid of debt in just two years.
Once you’ve signed up with them, they’ll allow you access to your account information 24 hours a day. All you have to do is log in to CuraDebts’ client portal to track your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to be:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. This includes medical bills, personal loans credit cards, and also line of credit. They can also be approached to pay off any remaining balance on business debt collection, repossessions, or collections.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive support for most cases, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation so that you can have cash settlements, should it be possible. Some violations can also lead to having your debts removed as well.
CuraDebt can also help you repay debt for less than the amount you own. They also allow you to have questions answered during a free consult with their debt counsellor.
The greatest benefit of the program is that you only pay the fees 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 documentation, they will also collect all the necessary paperwork for tax returns.
By using this program, you should be able to resolve the various types of tax problems like garnishments on wages, tax penalties, personal and taxation for business and back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges also. They only offer flat-fee prices and is dependent on the amount that you’ll need to settle.
There are a variety of options in paying off your tax debt. Here are 6 of them:
- 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 they specialize in debt settlement, it is not their specialty, they don’t offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They can’t assist you if your debt or loan is tied to an item that is physical.
If you do have the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle taxes that are due without any issues. Additionally, this service is available across all 50 states, if you owe money to the IRS. There are tax experts from the federal government who can assist you in resolving these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances you could even settle 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 in negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. You can also avail if you have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can 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 an upfront fee. Only pay when you settle each of your outstanding debts.
Additionally, they do not charge high fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt you settled through them.
In general, this type of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debts within 2 to 4 years. This varies in relation to the amount you are able to save each month.
Additionally, they claim that you could save as much as 30% when you factor in their fees in your equation.
But this claim will also differ based on your specific situation. Some clients even mentioned saving between 50% and 80percent.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Additionally, they only charge 20% of the cost, whereas the majority of companies charge 25%.
Then, if you’re done with the debt settlement program, you may join their credit repair program.
It’s a great option to rebuild your credit score without going into debt again. However, the program runs different for every person according to your personal situation.
Lastly, CureDebt looks into your credit to assist in settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also be looking into any violations of creditor using their experts in-house.
Some disadvantages to using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with . Therefore, if you’re trying build a better rating on your credit, this might set you back while you’re finishing your debt.
CureDebt does not offer a mobile application. While they do have a website for clients, it looks aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more on these kinds of services. In addition their 20% service cost is cheaper than most businesses that charge the 25% cost. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll give you an account to see your progress, their website is not simple to navigate. CuraDebt does not have an app that could make it easier for you to track your performance.
However, they have a good support team that you can contact them not just via email but also by phone or submitting an e-ticket. Asset Protection And Tax Relief
If problem of debt is an problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Asset Protection And Tax Relief
How long will it take to complete the course?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt has a tax relief program that can aid you in dealing with problems like delinquent tax and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll be required to communicate with the team and pay the required payments to lower your debt over time.
