Are you experiencing debt that has been piling up lately? Are you tired of trying other financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, your most effective approach is to talk to professionals that can help you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. Many customers have asked if they are able to help or put you in more debt.
According to their clients, they can help you manage the majority of your debts so that you are able to take few things off of your shoulders.
But for some people, these claims are just too good to be true.
If you’re looking for any solution that could aid you in settling your debt. In this case, CuraDebt will mostly be suggested by people. We’ll take a deeper review of how CuraDebt is used and the problems it can solve for you.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can check out this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you go on, 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 our article for a more comprehensive review.
About the Company Bush – Economic Growth And Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. They also provide other services that can help you be more financially stable.
It all begins by requesting a free online savings estimate. It is a completely private service and won’t be conducting a credit screening. With this savings estimate you’ll be able to learn more about your other options in your journey to debt-free.
The savings estimate, which was mentioned earlier, provides you with the opportunity to consider your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to help you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the company to handle all of the calls from your creditors. They will be the ones who will determine what you will pay for your payment based on the status of your finances. Depending on which works most effectively for you, it can either be a lump sum settlement or the option of a payment plan.
Additionally they will be working with the lenders to help you have better rates as you transfer money into your savings account. This, is then processed to pay the creditors. The plans they offer can help you pay off the debt in two years.
Once you’ve signed up with them, they will give you access to your information 24/7. All you need to do is login to CuraDebts Client Portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. To be eligible, you’ll have to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf to settle the majority of types of debt. This includes medical bills, personal loans, credit cards and also loans. They can also be approached to settle any outstanding balance of business debt and collections or repossessions.
They may even assist you in negotiating for back taxes as well as IRS debt. However, you won’t get support for most of your lawsuits, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, should it be possible. Some violations can also cause your debt to be removed as well.
CuraDebt lets you repay debt for less than the amount you have. You can also have questions answered during a free meeting with their debt advisor.
The best part about the program is that you’ll only pay the fees once your debt is settled. All you have to sign up for some of their programs, and you’ll be able pay off all 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 necessary paperwork to file tax returns.
Through this program, you’ll be able to deal with various tax issues such as garnishments on wages as well as tax penalties for personal and taxation for business, back taxes and trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices, which depends on the amount that you’ll need to settle.
They offer different options in settling your tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts are they able to help with?
While debt settlement is their specialization however, they do not cater to all types in debt resolution. CuraDebt is only focused on unsecured debt. They aren’t able to help you if your debt or loan is tied to an item that is physical.
However, if you have the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able to settle taxes that are due without difficulty. Additionally, this service is accessible across all 50 states, if you owe money to the IRS. They have federal tax experts that can help you resolve these types of issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some instances, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students with negotiating any loans they have to pay.
Personal Loan
Personal loans and payday loans also qualify to be eligible for debt relief programs. You can also avail the program if you have other unsecure credit lines you obtained from another financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing 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 costs either. In the average, you’ll need 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 debts within between 2 and 4 years. This varies in relation to the amount you are able to save each month.
They also claim that you could save up to 30% if you include their charges into your calculation.
However, the claim may depend on the situation. Some customers even claimed to save 50 to up to 80%.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt will only charge you after you’ve settled your debt. Additionally they charge only a 20% fee while many companies charge 25%.
If you’re finished with the debt settlement program you can join their credit repair program.
It’s a fantastic way to restore your credit score without having to go in debt again. However, the program lasts different for every person dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also look into any violations by creditors using their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using your credit card. If you’re trying to increase your credit score, it may set you back while you’re getting rid of your debt.
CureDebt does not offer a mobile application. Although they have a website for clients however, it appears old and mundane. It’s not particularly user-friendly, and can be challenging to navigate.
In addition, they’re not credited with their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more for these types of services. Moreover the 20% service charge is cheaper than most businesses that charge an additional 25% charge. There are no upfront payments and you’ll only have to pay when your debt is finally settled.
While they’ll provide you with an account to see your progress but their website isn’t simple to navigate. CuraDebt does not have an app yet, which would make it easier to track your performance.
They do have a great support team that you can contact them, not only via emails but also via phone or submitting an e-ticket. Bush – Economic Growth And Tax Relief
If debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the services they provide are in your state.
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FAQ Bush – Economic Growth 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 the agreement on the settlement.
Can CuraDebt assist with state tax problems?
Sure, CuraDebt has a tax relief program that can aid you in dealing with problems like delinquent tax and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with the team and make the necessary payments to lower your debt over time.
