Have your debts been increasing lately? Are you burnt out from trying various financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the most asked companies. A lot of customers have asked if they can help you or help you get into more debt.
According to their clients, they can help you control the majority of your debt , so you are able to take couple of w
orries off your mind.
However, for certain people the claims seem too good to be true.
If you’re looking for anything that can help you resolve your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper study of the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before starting the review, you can go to this video in case you would prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out 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 of CuraDebt.
About the Company Child Tax Credit Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide other services that will help you be more financially secure.
It all begins with requesting a free online savings estimate. The service is completely confidential and they will not conduct a credit inquiry. With this estimate of savings you’ll be able to learn more about your alternatives towards debt-free.
The savings estimate, as we’ve mentioned earlier, provides you with an insight into your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you in navigating credit arbitration in the event that you decide to sign up. Some financial advisors can help you in your debt-free journey.
After your debt settlement plan, CuraDebt is the company to handle all of your creditors’ calls. They will also be the ones that will determine the terms of your payment based on the status of your financial situation. In determining which option is the best for you, it could be either a lump sum settlement or a payment plan.
Furthermore they will be working with creditors to ensure that you have better rates as you make deposits to your savings account. This, is then processed to pay back creditors. Their plans can help you settle the debt within two years.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts’ client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. To be eligible, you’ll have to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you?
Here are the various ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans credit cards, and lines of credit. They can also be approached to help settle any remaining amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating with back taxes and IRS debt. However, you will not receive assistance with the majority cases, loans from the government or collateral, as well as utility bills. They also don’t cover most 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 will also help you identify debtors who are in violation to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt can also help you pay off debts with less than the sum you have. 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 have to pay for the charges once your debt is settled. All you have to sign up to any of the plans and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. After they have gathered all your financial records They will also gather all the documents you’ll require to file tax returns.
Through this program, you will be able to resolve different types of taxes like wage garnishments, tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs either. They use only flat-fee pricing that is based on the amount that you’ll must settle.
They offer different options when it comes to settling taxes. 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 can they help you with?
Although debt settlement is their specialization however, they do not provide all kinds of settlement. CuraDebt concentrates on debt that is not secured. They can’t assist you if your loan or debt is linked to an actual item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off tax debts that were due to be paid without difficulty. Furthermore, this service is offered across all 50 states, if you have a debt to the IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases you could even settle them less than the amount you owe.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students negotiate any student loans that they are owed.
Personal Loan
Payday loans and personal loans are also eligible to be eligible for debt relief programs. You can also avail the program if you have other unsecure credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. Only pay when you settle each of your debts.
They also don’t charge high fees as well. In the average, you’ll need to pay as much as 20 percent of the debt you settled through them.
In the average, this kind of industry charges between 15 and 25 percent.
Additionally, customers can anticipate to pay off their debts in 2 to 4 years. But, it also differs according to the amount you save per month.
Additionally, they claim you can save up to 30% by incorporating their charges into your calculation.
However, this statement will differ based on your specific situation. Some customers have even talked about saving 50 to 80percent.
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The benefits of using CuraDebt
Once you’ve got an idea of what CuraDebt offers, let’s look into the advantages from using CuraDebt.
First, CuraDebt only charges you 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 with the debt settlement program, you could join their credit restoration program.
It’s an excellent method to improve your credit score without having to go back into debt. However, the program runs differently for each person according to your personal situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t inflate over time. They’ll also be looking into any violations by creditors using their in-house experts.
Some disadvantages to using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief often require you to cease making payments with . Therefore, if you’re trying increase your rating on your credit, this could set you back while you’re getting rid of your obligations.
CureDebt also doesn’t have a mobile app. While they do have a website that clients can access, it looks old and mundane. It’s not very intuitive, and it can be challenging to navigate.
Moreover, they are still not accredited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you resolve your debt without having to spend more for these types of services. In addition their 20% service fee is cheaper than most firms that charge a 25% fee. 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, their website is not easy to navigate. CuraDebt does not have an app that could make it easier for you to look at your progression.
But, they do have a competent support staff, and you can reach them not only through emails but by phone or by submitting an electronic ticket. Child Tax Credit Relief
If your debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be eligible and that the services they provide are in your area.
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FAQ Child Tax Credit Relief
What is the time frame to complete the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt aid with state tax problems?
Yes, CuraDebt has a tax relief program to aid you in dealing with problems like delinquent taxes and garnishments on wages.
What do I need to do after joining the program?
You’ll need to constantly communicate with your team members and pay the required payments to lower the amount of debt you have over time.
