Has your debt increased lately? Are you exhausted from trying various financial tips and advice but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, the best option is to speak with professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of customers have asked 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 debt so that you can take couple of w
orries off your plate.
However, for certain people they believe these claims are too good to be true.
You might be looking for anything that can help you resolve your debt. In that case, CuraDebt will mostly be recommended by people. We’ll take a deeper look at the way CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, check out this video instead if you prefer 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 of CuraDebt.
About the Company California 55 And Over Tax Relief
CuraDebt is a company that provides debt relief 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 accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best well-known feature. But they offer other services that can help you be more financially stable.
First of all, it begins by requesting a free savings estimate online. This service is very confidential and won’t be doing a credit check. With this estimate of savings you’ll be able to discover more about options towards debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an idea of your choices, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with credit arbitration if you decide to enroll. Some financial advisors can help you in your debt-free journey.
After your debt settlement program, CuraDebt will be the company to handle all of your creditors’ calls. They’ll be the ones who determine conditions of the repayment depending on the condition of your finances. Based on what works best to you, this can either be a lump sum settlement or a payment plan.
Additionally, they will be working with lenders to help you have better rates as you transfer money into your savings account, which in turn, will process to pay back the creditors. Their plans can help you get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf for most types of debt. This includes personal loans, medical bills credit cards, as well as loans. They can also be approached to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating for back taxes and IRS debt. However, you won’t get support for most of your lawsuits, loans from the government as well as 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 in order to get cash settlements, if possible. Certain violations could cause your debt to be also dismissed.
CuraDebt can also help you pay off debts with less than the amount you own. You can also ask questions during their free consult with their debt counsellor.
The most appealing aspect of their plan is that you only be charged after your debt has been settled. All you need to sign up to any of the plans and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to deal with the various types of tax problems like wage garnishments, tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only offer flat-fee prices and is dependent on the amount that you’ll need to settle.
There are a variety of options when it comes to the settlement of taxes. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt are they able to help with?
While debt settlement is their specialization but they aren’t able to provide all kinds of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if your credit or loan is tied to a physical item.
If, however, you are in the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay your past-due tax debts without difficulty. Furthermore, this service is accessible to all 50 states in the event that you have a debt towards the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students negotiate any student loans that they are owed.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You may also be eligible the program if you have other unsecure credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, as well as private label credit card CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. Only pay when you settle each of your debts.
Additionally, they don’t have high-cost charges 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 business can cost anywhere between 15% and 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. This varies according to the amount you are able to save each month.
Additionally, they claim that you could save up to 30% if you include their costs into your calculations.
But this claim will also vary, depending on the situation. Some customers have even talked about saving 50% to 80percent.
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Advantages to using CuraDebt
Now that you have a clearer picture of what CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. Additionally, they only charge 20% of the cost, whereas most companies charge you 25%.
Next, if you’re done by the program for debt relief you can also sign up for their credit restoration program.
It’s a fantastic method to improve your credit score without having to go back into debt. The program is however designed different for every person according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any violations of creditor using their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with . If you’re trying to build a better rating on your credit, this might delay you from working on your obligations.
CureDebt does not offer a mobile application. Although they have a website for clients but it’s aged and simple. It’s not very user-friendly, and can be challenging to navigate.
In addition, they’re not accredited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to resolve your debt without having to spend more on those types of services. In addition the 20% service charge is cheaper than most companies that offer an additional 25% charge. There aren’t any upfront fees, and you will only have to pay the fee when the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress but their website isn’t simple to navigate. CuraDebt does not have an app that will make it easier to track your performance.
They do have a great support team that you can contact them not just via email but also via phone or submitting an electronic ticket. California 55 And Over Tax Relief
If your credit card is a major problem, then we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services they provide are in your state.
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FAQ California 55 And Over Tax Relief
What is the time frame to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt has a tax relief program that can aid you in dealing with problems such as late payroll taxes and garnishments on wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce the amount of debt you have over time.
