Are you experiencing debt that has been piling up lately? Are you exhausted from trying various financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, your most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of customers have asked if they are able to help or put you into more debt.
According to their clients, they can help you manage the majority of your debt , so you can finally take a couple of things off your mind.
However, for certain people the claims seem too good to be true.
Suppose you’re on the lookout for any solution that could help you resolve your debt. In that case, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, check out this video instead for a more relaxing way to watch it.
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 review. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Back Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. However, they also offer other services that can aid you in becoming more financially secure.
The process begins by requesting a free savings estimate on the internet. It is a completely private service and won’t be conducting a credit screening. By using this estimate of savings, you will be able to learn more about the alternatives to be debt-free.
The savings estimate, which was mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you with credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the agency to handle all of your creditor’s calls. They will be the ones who determine what you will pay for your settlement based on the status of your finances. In determining which option is the best your situation, the payment could be either a lump sum settlement or an installment plan.
Furthermore they will be working with creditors so that you can get better rates when you make deposits to your savings account, which is then processed to pay back the creditors. The plans they offer can help you pay off the debt in two years.
After you’ve registered with them, they’ll give you access to your account information 24 hours a day. All you have to do is login to CuraDebts the client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to pass their requirements first. To be eligible, you’ll have to be:
- At least 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for all kinds of debt. This includes personal loans, medical bills credit cards and also loans. You can also approach them to pay off any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive assistance with the majority of your lawsuits, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if they are possible. Some violations can also result in having your debts also dismissed.
CuraDebt also allows you to repay debt for less than the sum you have. Additionally, you can have questions answered during a free consult with their debt counsellor.
The greatest benefit of their program is that you’ll only pay the fees when your debt is paid off. All you have to do is sign up with one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. After they have gathered all your financial records They will also gather all the paperwork you’ll need for tax returns.
With this program, you should be able to solve the various types of tax problems such as garnishments on wages as well as tax penalties for personal and business taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees neither are there hidden fees. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
They have different solutions when it comes to paying off your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt are they able to help with?
Although debt settlement is their forte however, they do not offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They won’t be able to help you if your debt or loan is tied to a physical item.
However, if you have the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without difficulty. Furthermore, this service is offered to all 50 states if you owe money to the IRS. There are tax experts from the federal government that can help you resolve these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some cases you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. However, they can assist private students in negotiating the student loans they have to pay.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. 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, or private label credit cards, CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you have paid off all of your outstanding debts.
Also, they don’t charge high fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
In general, this type of industry can charge anywhere between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debts within two to four years. But, it also differs depending on the amount that you save per month.
Additionally, they claim you can save as much as 30% by incorporating their fees in your equation.
However, this statement will depend on the situation. Some customers even claimed to save 50 to up to 80%.
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Benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. In addition they charge only a 20% fee while the majority of companies charge 25 percent.
Next, if you’re done by the program for debt relief you can enroll in their credit restoration program.
It’s a fantastic way to restore the credit rating without having to go back into debt. The program is however designed different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t increase over time. They’ll also investigate any violations by creditors with the help of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using your credit card. So if you’re trying to increase your standing on credit scores, you might cause you to delay getting rid of your credit card debt.
CureDebt also doesn’t have a mobile app available. While they do have a website that clients can access but it’s old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more for these types of services. Moreover their 20% service charge is lower than many companies that offer an additional 25% charge. There are no upfront payments 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 however, their website isn’t easy to navigate. CuraDebt also doesn’t have an app that could make it easier for you to look at your progression. Back Tax Relief
But, they do have a good support team and can be reached them not just via email but by phone or by sending an electronic ticket. Back Tax Relief
If your credit card is a major issue right now, we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your area.
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FAQ Back Tax Relief
How long does it take to finish the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt assist with state tax problems?
Sure, CuraDebt provides tax relief programs that will aid you in dealing with problems such as delinquent payroll tax and garnishments on wages.
What should I do after joining the program?
You’ll have to keep in constant contact with the team and make the necessary payments to pay down your debt over time.
