Have your debts been increasing lately? Are you exhausted from trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because been through 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 asked companies. Many people have been inquiring whether they can assist you or help you get into more debt.
According to their clients, they can assist you in managing the majority of your debt so that you can finally take a couple of things off your shoulders.
For some the claims seem too good to be true.
You might be looking for anything that can help you resolve your debt. In this case, CuraDebt will mostly be recommended by people. We’ll be taking a deep study of how CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before starting the review, you can watch this video instead if you prefer to watch it.
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’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Basic And Enhanced School Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active 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, certain states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. They also provide other services that will assist you in becoming financially stable.
It all starts by requesting a no-cost online savings estimate. It is a completely private service and they will not be doing a credit check. By using this estimate of savings you’ll be able to learn more about the options towards debt-free.
Savings estimates, as we’ve mentioned before, gives you an insight into your choices regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with the process of credit arbitration should you choose to enroll. Some financial advisors can help you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the one to take care of all the calls from your creditors. They’ll also be the ones who will determine the terms of your repayment in accordance with the state of your finances. Depending on which works most effectively for you, it can be a lump-sum settlement or an installment plan.
Furthermore they will also be working with lenders to help you get better rates when you deposit money to your savings account. This is then processed to pay creditors. Their programs can assist you to get rid of debt in just two years.
Once you’ve signed up with them, they’ll allow you access to your data 24/7. All you need to do is login to CuraDebts’ client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you?
Here are some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with your debt. They can negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans credit cards as well as lines of credit. You can also approach them to settle any outstanding amount on business debts and collections or repossessions.
They can even help negotiate with back taxes as well as IRS debt. But, you won’t receive assistance for the majority cases, government loans or collateral, as well as 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 the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations in order to get cash settlements, should it be possible. Some violations can also cause your debt to be dismissed as well.
CuraDebt also allows you to settle debt with less than the amount you have. You can also inquire about your debt during their no-cost consultation with their debt advisor.
The most appealing aspect of their program is that you’ll only have to pay for the charges once your debt is settled. All you have to sign up for some of their programs, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they collect all of 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 resolve the various types of tax problems such as garnishments on wages as well as tax penalties for personal and taxation for business, back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees also. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
They have different solutions for paying off the 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 debt settlement is their forte but they aren’t able to offer all kinds of debt settlement. CuraDebt is only focused on loans that are not secured. They won’t be able to assist you if your loan or debt is linked to an actual item.
However, if you have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off your past-due tax debts without any issues. Moreover, this type of service is offered to all 50 states in the event that you have a debt towards the IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some cases you could even settle the debt for less than you are owed.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate the student loans they owe.
Personal Loan
Personal loans and payday loans are also eligible to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards as well as private label credit card, CuraDebt can help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They do not charge an upfront cost. You’ll only pay once 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 through them.
In the average, this kind of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. But, it also differs depending on the amount that you save per month.
Also, they claim that you can save up to 30% when you factor in their costs into your calculations.
However, this statement will differ based on the situation. Some customers even claimed to save 50 to 80percent.
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The benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. Furthermore, they only charge 20% of the cost, whereas many companies charge 25%.
Next, if you’re done with the debt settlement program you could join their credit repair program.
It’s an excellent option to rebuild your credit without having to go in debt again. The program is however designed different for every person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. This means your debt won’t increase as time passes. They’ll also look into any violations by creditors with the help of their experts in-house.
Drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop paying with . Therefore, if you’re trying build a better standing on credit scores, you might cause you to delay getting rid of your credit card debt.
CureDebt does not offer a mobile application. While they have a website that clients can access, it looks aged and simple. It’s not very intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more on these kinds of services. Additionally their 20% service cost is lower than many companies that offer a 25% fee. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app that could make it easier for you to look at your performance.
However, they have a great support team that you can contact them not only through emails but by phone or by submitting an electronic ticket. Basic And Enhanced School Tax Relief
If credit card is a major issue right now, we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services that they provide are offered in your state.
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FAQ Basic And Enhanced School Tax Relief
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs to help you with problems like delinquent taxes and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to lower your debt over time.
