Have your debts been increasing lately? Are you burnt out from trying various financial tips and advice but haven’t solved your problems?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, your best way is to approach experts who can assist you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they can assist you or help you get into more debt.
According to their customers, they can help you control 80% of your debts so that you can finally take a few things off of your mind.
However, for certain people they believe these claims are too good to be true.
You might be looking for any solution that could assist you in paying off your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll take a deeper look at how CuraDebt works and what problems it can help you solve.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before you begin the review, you can check out this video instead if you prefer to watch 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 review. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Community Revitalization Tax Relief Incentive Program
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. However, they also offer other services that can aid you in becoming more financially secure.
First of all, it starts by requesting a no-cost savings estimate online. The service is completely confidential and they will not be doing a credit check. With this savings estimate you’ll be able to learn more about your options to be debt-free.
Savings estimates, as mentioned earlier, provides you with the opportunity to consider your options regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration if you decide to sign up. Some financial advisors can help you in your debt-free journey.
Following the debt settlement plan, CuraDebt will be the one to answer all of your creditors’ calls. They will be the ones who negotiate the terms of your settlement depending on the condition of your finances. Based on what works most effectively to you, this could either be a lump sum settlement or the option of a payment plan.
Additionally they will also be working with creditors to ensure that you get better rates when you deposit money to your savings account. This in turn, will process to pay creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve registered with them, they will provide you with access to your account information 24 hours a day. All you have to do is sign in to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll have to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. This includes medical bills, personal loans credit cards, as well as line of credit. You can also approach them to settle any outstanding balance on business debt and collections or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, government loans or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, if possible. Some violations can also result in having your debts removed as well.
CuraDebt also allows you to repay debt for less than the amount you have. They also allow you to inquire about your debt during their no-cost consult with their debt advisor.
The most appealing aspect of the program is that you will only be charged when your debt is paid off. All you have to sign up for one of their plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documentation, they will also collect all the necessary paperwork for tax returns.
Through this program, you will be able to deal with different types of taxes like garnishments on wages, tax penalties, personal and corporate taxes as well as back taxes and trust fund penalties and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing that is based on the amount you’ll need to settle.
There are a variety of options for the settlement of your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kind of debt are they able to help with?
Although debt settlement is their specialization however, they do not offer all kinds of debt settlement. CuraDebt concentrates on loans that are not secured. They won’t be able to assist you if your loan or debt is linked to an actual item.
If you do have the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to settle your past-due tax debts without any problems. Additionally, this service is offered to all 50 states if you owe money to the IRS. There are tax experts from the federal government that can help you resolve these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. However, they can assist private students in negotiating any student loans that they are owed.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. It is also possible to avail the program if you have other unsecured credit lines you obtained from a different 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 can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. Only pay when you settle each of your outstanding debts.
Additionally, they don’t have high-cost charges either. In the average, you’ll need to pay as much as 20% of the debt you settled through them.
On average, this type of industry can charge anywhere between 15% and 25 percent.
In addition, customers can expect to settle their debts within between 2 and 4 years. However, this also varies according to the amount you save per month.
They also claim that you could save up to 30% if you include their costs into your calculations.
However, the claim may vary, depending on the situation. Some customers even claimed to save between 50% and up to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, let’s look into the advantages that come with using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. In addition, they only charge an amount of 20%, while most companies charge you 25%.
If you’re finished in the process of debt resolution you can enroll in their credit repair program.
It’s a fantastic method to improve the credit rating without going back into debt. The program is however designed different for every person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also look into any violations of creditor with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to stop paying with your credit card. Therefore, if you’re trying improve your credit score, it may cause you to delay finishing your credit card debt.
CureDebt does not have a mobile app. Although they have a website for clients however, it appears aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not credited with their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that allows you to resolve your debt without having to spend more on those types of services. In addition the 20% service cost is less expensive than the majority of firms that charge the 25% cost. There aren’t any upfront fees, and you will only be required to pay once the debt is settled.
Although they’ll allow you to access 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 would make it easier to look at your performance.
They do have a great support team that you can contact them not only through emails but also via phone or sending an electronic ticket. Community Revitalization Tax Relief Incentive Program
If credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ Community Revitalization Tax Relief Incentive Program
What is the time frame to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt assist with state tax problems?
Yes, CuraDebt has a tax relief program that will aid you in dealing with problems like delinquent tax issues and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with the team and pay the required payments to reduce your debt over time.
