Are you experiencing debt that has been piling up lately? Are you burnt out from trying various financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, your best option is to speak with experts who can assist you resolve the issue.
CuraDebt is among the most frequently contacted companies. A lot of people have been inquiring whether they can assist you or put you in more debt.
According to their clients they can assist you in managing the majority of your debts so that you are able to take couple of w
orries off your plate.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In this case, CuraDebt will mostly be suggested by people. We’ll take a deeper study of the way CuraDebt works and what problems it can solve for you.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before starting 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 watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
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CuraDebt is an organization that deals with debt relief in 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 by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best popular feature. However, they also offer other services that will help you be more financially secure.
First of all, it starts by requesting a no-cost savings estimate on the internet. It is a completely private service and won’t conduct a credit inquiry. With this savings estimate you’ll discover more about other options in your journey to debt-free.
This estimate of savings, as mentioned previously, offers you the opportunity to consider your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you with your debt-free journey.
Following the debt settlement plan, CuraDebt is the one to answer all of your creditors’ calls. They’ll also be the ones who determine conditions of the payment in accordance with the state of your finances. Depending on which works most effectively your situation, the payment could be a lump-sum settlement or the option of a payment plan.
Furthermore, they will be working with the creditors to ensure that you have better rates as you transfer money into your savings account, which in turn, will process to pay off creditors. Their programs can assist you to pay off the debt in two years.
After you’ve registered with them, they’ll give you access to your information 24/7. All you have to do is login to CuraDebts Client Portal so that you can monitor your progress.
Before you are able to avail the program, you’ll have to pass their requirements first. For eligibility, you’ll need to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you?
Here are some of the ways CuraDebt can help you.
The name of the company suggests that CuraDebt can assist you in dealing with your debt. They can negotiate settlements on your behalf for most types of debt. They can help with medical bills, personal loans credit cards as well as loans. You can also approach them to help settle any remaining balance of business debt, collections, or repossessions.
They can even help negotiate for back taxes and IRS debt. But, you won’t receive assistance for the majority cases, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations so that you can have cash settlements, if they are possible. Certain violations could result in having your debts also dismissed.
CuraDebt lets you settle debt with less than the sum you have. 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 will only pay the fees when your debt is paid off. All you need to sign up to some of their programs and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they collect all of your financial records and tax documents, they’ll also collect all the paperwork you’ll need to file tax returns.
By using this program, you’ll be able to deal with various tax issues such as wage garnishments and tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs also. They only offer flat-fee prices that is based on the amount you have to pay.
There are a variety of options for the settlement of 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
What kinds of debts are they able to help with?
While debt settlement is their forte however, they do not offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They can’t help you if your credit or loan is tied to an actual item.
However, if you have the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt it is expected that you will be able to pay taxes that are due without any problems. Moreover, this type of service is accessible to all 50 states if you have a debt in arrears to IRS. They have federal tax experts to assist you with these kinds of problems.
CuraDebt can also help resolve your medical debt. 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. They can however assist private students in negotiating the student loans they have to pay.
Personal and payday loans are also eligible as debt-settling programs. You may also be eligible 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 or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is the way they’ve priced their 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 have high-cost charges either. In the average, you’ll need to pay between 20 and 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15 and 25%.
Moreover, clients can expect to pay off their debts in two to four years. However, this also varies in relation to the amount you can save up per month.
Additionally, they claim you can save up to 30% when you factor in their costs into your calculations.
But this claim will also vary, depending on your situation. Some customers even claimed to save 50% to up to 80%.
The benefits of using CuraDebt
Now that you have an understanding of the benefits CuraDebt can provide, let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. Additionally they only charge a 20% fee while the majority of companies charge 25%.
Then, if you’re done by the program for debt relief, you can enroll in their credit repair program.
It’s a fantastic way to restore your credit without having to go into debt again. However, the program lasts differently for each person dependent on the circumstances of your case.
Finally, 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 investigate any creditor violations with the help of their own experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with . So if you’re trying to build a better rating on your credit, this might cause you to delay finishing your obligations.
CureDebt does not have a mobile app. Although they have a website that clients can access, it looks old and mundane. It’s not very intuitive and could be challenging to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more for these types of services. Additionally the 20% service cost is lower than many businesses that charge the 25% cost. There is no upfront payment and you’ll only have to pay when the debt is paid off.
Although they’ll allow you to access an account to see your progress however, their website isn’t easy to navigate. CuraDebt isn’t even an app, which could make it easier for you to monitor your progress.
However, they have a good support team and can be reached them not only through emails but also via phone or sending an e-ticket. Car Tax Relief Do You Claim Full Amount
If the problem of debt is an problem, then we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services they provide are in your area.
FAQ Car Tax Relief Do You Claim Full Amount
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 your agreed settlement.
Can CuraDebt assist with state tax problems?
It is true that CuraDebt offers a program for tax relief that will help you with problems such as late payroll tax and wage garnishments.
What do I need to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to reduce your debt over time.