Have your debts been increasing lately? Are you exhausted from trying other financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried everything.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is one of the most asked companies. A lot of people are asking if they are able to help or help you get into more debt.
According to their customers, they can help you manage 80percent of your debt , so you are able to take couple of things off your shoulders.
However, for certain people they believe these claims are too good to be true.
You might be looking for something that will assist you in paying off your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of how CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion we’ll look at its benefits and drawbacks.
Before you begin the review, you can go to this video for a more relaxing way for it to be watched.
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. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Community Tax Relief Miami
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. However, they also offer other services that will help you be more financially stable.
First of all, it starts by requesting a no-cost savings estimate on the internet. The service is completely confidential and they will not be conducting a credit screening. With this estimate of savings you’ll learn more about your alternatives towards debt-free.
This estimate of savings, as we’ve mentioned previously, offers you the opportunity to consider your choices regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to help you with credit arbitration if you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the company to answer all of your creditors’ calls. They will be the ones who determine the terms of your settlement depending on the condition of your financial situation. Depending on which works best for you, it could be a lump-sum settlement or the option of a payment plan.
Furthermore they will also be working with lenders to help you get better rates when you deposit money to your savings account, which in turn, will process to pay back 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’ll provide you with access to your account information 24 hours a day. All you have to do is log in to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with 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 and also lines of credit. You can also approach them to settle any outstanding amount on business debts collection, repossessions, or collections.
They can even help negotiate for back taxes and IRS debt. However, you won’t get support for most claims, 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 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 the violations of creditors to ensure that you receive cash settlements, should it be possible. Some violations can also result in having your debts removed as well.
CuraDebt can also help you settle debt with less than the sum you have. Additionally, you can have questions answered during a free consultation with their debt counselor.
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 one of their plans and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial records They will also gather all the paperwork you’ll need to file tax returns.
Through this program, you should be able to resolve the various types of tax problems such as garnishments on wages as well as tax penalties for personal and corporate taxes as well as back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees also. They only use flat-fee pricing that is based on the amount you must settle.
There are a variety of options when it comes to settling your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts can they assist you with?
Although they specialize in debt settlement, it is not their specialty but they aren’t able to cater to all types in debt resolution. CuraDebt is only focused on loans that are not secured. They can’t help you if the credit or loan is tied to an item that is physical.
If you do have the following kinds of debt, they will negotiate settlements on your behalf.
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 offered to all 50 states in the event that you have a debt to the IRS. There are federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In certain cases, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students with negotiating any student loans that they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. You may also be eligible of the program if you also have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is how the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you have paid off all of your debts.
They also don’t charge high charges either. In the average, you’ll need to pay between 20 and 20 percent of the debt you settled through them.
In general, this type of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. But, it also differs depending on the amount that you can save up per month.
Additionally, they claim that you could save as much as 30% when you factor in their fees in your equation.
However, this statement will differ based on your situation. Some clients even mentioned saving 50% to up to 80%.
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The benefits of using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore, they only charge 20% of the cost, whereas most companies charge you 25 percent.
Then, if you’re done with the debt settlement program you could also sign up for their credit restoration program.
It’s a great option to rebuild your credit score without having to go into debt again. The program is however designed different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also investigate any creditor violations with the help of their experts in-house.
Drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with your credit card. Therefore, if you’re trying build a better rating on your credit, this might set you back while you’re getting rid of your credit card debt.
CureDebt does not offer a mobile application. While they do have a client website, it looks old and mundane. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more on those types of services. In addition their 20% service charge is cheaper than most businesses that charge an additional 25% charge. 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 simple to navigate. CuraDebt also doesn’t have an app that will make it easier to track your performance.
They do have a good support team that you can contact them not only through emails but also by phone or sending an e-ticket. Community Tax Relief Miami
If the debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be eligible and that the services that they provide are offered in your area.
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FAQ Community Tax Relief Miami
How long will it take to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt provides tax relief programs to help you with problems such as late payroll taxes and garnishments on wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to lower your debt over time.
