Are you experiencing debt that has increased lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because tried everything.
In most cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people are asking if they can assist you or help you get into more debt.
According to their clients they can help you manage the majority of your debt so that you can take few things off of your shoulders.
However, for certain people they believe these claims are too good to be true.
If you’re 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 be taking an in-depth look at how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before starting the review, you can check out this video instead in case you would prefer to watch it.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Community Tax Relief Program
CuraDebt is an organization that deals with debt relief in 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.
While it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is the most known feature. However, they also offer other services that can assist you in becoming financially secure.
It all begins by requesting a free savings estimate on the internet. It is a completely private service and won’t be conducting a credit screening. With this estimate of savings you’ll be able to be able to learn more about the alternatives to be debt-free.
The savings estimate, which was mentioned earlier, provides you with the opportunity to consider your choices 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 help you with credit arbitration if you decide to join. Some financial advisors can help you in your debt-free journey.
After your debt settlement plan, CuraDebt can be the agency to take care of all the calls from your creditors. They will also be the ones who will negotiate what you will pay for your repayment based on the status of your finances. Based on what works best for you, it can either be a lump sum settlement or an installment plan.
Furthermore they will also be working with the creditors to ensure that you enjoy better rates when you transfer money into your savings account. This is then processed to pay off creditors. The plans they offer can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they will give you access to your data 24/7. All you need to do is sign in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their 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 with?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for the majority of types of debt. These include medical bills, personal loans credit cards, and line of credit. They can also be approached to pay off any remaining balance of business debt collection, repossessions, or collections.
They can even help negotiate on tax owed and IRS debt. However, you won’t get support for most cases, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors so that you can have cash settlements, if they are possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt lets you pay off debts with less than the sum you have. You can also ask questions during their free consultation with their debt advisor.
The best part about their program is that you will only have to pay for the charges once your debt is settled. All you need to sign up to one of their plans and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they collect all of your financial records and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
By using this program, you should be able to solve various tax issues like garnishments on wages as well as tax penalties for personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs either. They only offer flat-fee prices, which depends on the amount you need to settle.
They have different solutions when it comes to paying off taxes. 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 types of debt are they able to help with?
Although they specialize in debt settlement, it is not their specialization, they don’t offer all kinds in debt resolution. CuraDebt concentrates on debt that is not secured. They aren’t able to help you if the debt or loan is tied to an item that is physical.
However, if you have the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Furthermore, this service is accessible to all 50 states if you have a debt to the IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In certain cases you might even be able to pay them less than the amount you owe.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students in negotiating any student loans that they are owed.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card CuraDebt will assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you have paid off all of your debts.
They also don’t charge high charges either. In the average, you’ll need to pay as much as 20 percent of the debt that you settled with them.
On average, this type of industry charges from 15% to 25 percent.
Moreover, clients can expect to settle their debts within two to four years. This varies according to the amount you save per month.
Also, they claim that you can save up to 30% by incorporating their charges into your calculation.
But this claim will also differ based on your specific situation. Some customers even claimed to save between 50% and 80percent.
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Benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can offer you let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Additionally they charge only a 20% fee while many companies charge 25 percent.
Next, if you’re done by the program for debt relief, you can also sign up for their credit repair program.
It’s a great method to improve your credit without having to go in debt again. The program is however designed differently for each person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any creditor violations with the help of their own experts.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using . Therefore, if you’re trying increase your credit score, it may set you back while you’re working on your credit card debt.
CureDebt does not have a mobile app. Although they have a client website however, it appears aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on those types of services. Additionally, their 20% service charge is lower than many businesses that charge an additional 25% charge. There are no upfront payments and you’ll only be required to pay once the debt is paid off.
Although they’ll allow you to access an account to see your progress however, their website isn’t user-friendly. CuraDebt does not have an app that could make it easier for you to track your performance. Community Tax Relief Program
But, they do have a good support team that you can contact them not just via email but also via phone or submitting an e-ticket. Community Tax Relief Program
If your problem of debt is an problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Community Tax Relief Program
What is the time frame to complete the program?
The program typically takes 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 provides tax relief programs to assist you with issues such as delinquent payroll tax issues and wage garnishments.
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.
