Are you experiencing debt that has increased lately? Are you tired of trying different financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because already tried every thing.
In the majority of cases, the best way is to approach experts who can help you resolve the issue.
CuraDebt is one of the most asked companies. Many customers have asked if they are able to help or put you into more debt.
According to their clients, they can help you control the majority of your debts so that you can take couple of w
orries off your shoulders.
However, for certain people, these claims are just too good to be true.
You might be looking for something that will help you resolve your debt. If that’s the scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of how CuraDebt is used and the problems it can solve for you.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before you begin the review, go to this video for a more relaxing way to watch 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 will want to read the rest of our article for a more comprehensive review.
About the Company Cheapest Most Affordable Tax Relief Companies
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become a 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, some states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best well-known feature. But they offer other services that can help you be more financially stable.
It all begins by requesting a free savings estimate on the internet. The service is completely confidential and won’t be doing a credit check. With this estimate of savings, you will learn more about your options to debt-free.
Savings estimates, as mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you in navigating credit arbitration if you decide to sign up. Certain financial advisors can assist you with your debt-free journey.
After your debt settlement plan, CuraDebt will be the agency to take care of all the calls from your creditors. They will be the ones who will determine conditions of the payment based on the status of your financial situation. Depending on which works most effectively to you, this could either be a lump sum settlement or an installment plan.
Furthermore they will also be working with the lenders to help you get better rates when you deposit money to your savings account. This in turn, will process to pay off creditors. The plans they offer can help you settle the debt within two years.
After you’ve signed up with them, they will allow you access to your data 24/7. All you need to do is log in to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. They can help with medical bills, personal loans, credit cards and loans. They can also be approached to settle any outstanding balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you won’t get assistance for the majority of your lawsuits, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you with 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 possible. Some violations can also lead to having your debts removed as well.
CuraDebt can also help you pay off debts with less than the amount you own. You can also have questions answered during a free consult with their debt advisor.
The most appealing aspect of the program is that you only be charged when your debt is paid off. All you need to do is sign up with some of their programs, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. After they have gathered all your financial documents They will also gather all the necessary paperwork for tax returns.
By using this program, you will be able to resolve the various types of tax problems such as garnishments on wages, tax penalties, personal and taxation for business, back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs also. They only use flat-fee pricing and is dependent on the amount you must settle.
There are a variety of options in the settlement of 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 kind of debt are they able to help with?
While debt settlement is their specialization but they aren’t able to provide all kinds in debt resolution. CuraDebt concentrates on debt that is not secured. They aren’t able to assist you if your credit or loan is tied to an item that is physical.
If you do have the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without any problems. Moreover, this type of service is offered across all 50 states, if you have a debt towards the IRS. There are tax experts from the federal government to assist you with the issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students negotiate any student loans that they owe.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card, CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you have paid off all of your debts.
They also don’t charge high costs either. On average, you’ll have to pay as much as 20% of the debt you settled with them.
In general, this type of industry charges from 15% to 25 percent.
In addition, customers can expect to settle their debts within between 2 and 4 years. However, this also varies in relation to the amount you can save up per month.
Also, they claim that you can save up to 30% by incorporating their fees in your equation.
But this claim will also depend on your situation. Some clients even mentioned saving 50% to up to 80%.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt only charges you when you’ve paid off your debt. Additionally they charge only a 20% fee while most companies charge you 25 percent.
If you’re finished with the debt settlement program you can also sign up for their credit restoration program.
It’s a great option to rebuild the credit rating without going back into debt. The program is however designed differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t inflate over time. They’ll also look into any violations by creditors using their own experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Settlement of debt and debt relief usually require that you stop paying with . So if you’re trying to increase your credit score, it might set you back while you’re working on your credit card debt.
CureDebt doesn’t even have a mobile app. Although they have a website that clients can access however, it appears aged and simple. It’s not particularly intuitive and could be challenging to navigate.
Furthermore, they are not credited with their Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to settle your debt without spending more on those types of services. Additionally, their 20% service fee is cheaper than most companies that offer the 25% cost. There are no upfront payments, and you will only have to pay the fee when the debt is paid off.
Although they’ll give you an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app, which will make it easier to look at your progress.
But, they do have a good support team, and you can reach them not only through emails but also by phone or sending an e-ticket. Cheapest Most Affordable Tax Relief Companies
If the credit card is a major issue right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the programs that they provide are offered in your state.
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FAQ Cheapest Most Affordable Tax Relief Companies
What is the time frame to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt and the agreed settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt provides tax relief programs that will help you with problems like delinquent tax and wage garnishments.
What should I do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and pay the required payments to lower your debt over time.
