Are you experiencing debt that has been piling up lately? Are you burnt out from trying other financial advice and strategies but still have unsolved issues?
Maybe you’re here because you’ve been through every thing.
In most cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. Many customers have asked if they are able to help or put you into more debt.
According to their clients they can help you manage 80% of your debt so that you can take couple of things off your plate.
However, for certain people the claims seem too good to be true.
You might be looking for any solution that could help you resolve your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll take a deeper study of the way CuraDebt is used and the problems it can solve for you.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can check out this video instead for a more relaxing way 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 overview. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Covenant Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most popular feature. But they offer additional services to help you be more financially stable.
It all starts by requesting a no-cost savings estimate online. This service is very confidential and they will not be doing a credit check. With this savings estimate you’ll learn more about your alternatives to debt-free.
The savings estimate, which was mentioned previously, offers you the opportunity to consider your options regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you in navigating credit arbitration in the event that you decide to sign up. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt can be the agency to answer all of your creditor’s calls. They’ll also be the ones that negotiate what you will pay for your settlement depending on the condition of your financial situation. In determining which option is the best to you, this could be a lump-sum settlement or an installment plan.
Furthermore they will be working with creditors so that you can get better rates when you transfer money into your savings account, which in turn, will process to pay off the creditors. Their programs can assist you to get rid of debt in just two years.
After you’ve registered with them, they’ll give you access to your information 24/7. All you have to do is login 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 pass their requirements first. For eligibility, you’ll have to be:
- 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 aid you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They can negotiate settlements on your behalf to settle all kinds of debt. This includes medical bills, personal loans credit cards and also lines of credit. They can also be approached to settle any outstanding balance on business debt, collections, or repossessions.
They can even help negotiate on tax owed and IRS debt. But, you won’t receive support for most of your lawsuits, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will help you use laws like 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, if possible. Some violations can also result in having your debts also dismissed.
CuraDebt lets you settle debt with less than the amount you own. You can also ask questions during their free consultation with their debt counsellor.
The most appealing aspect of their plan is that you’ll only be charged when your debt is paid off. All you need to do is sign up with any of the plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. After they have gathered all your financial documentation and tax documents, they’ll also collect all the documents you’ll require for tax returns.
By using this program, you’ll be able to resolve the various types of tax problems such as wage garnishments and tax penalties, personal and corporate taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing and is dependent on the amount you’ll have to pay.
They have different solutions in settling taxes. Here are 6 options:
- 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 can they assist you with?
Although debt settlement is their forte but they aren’t able to provide all kinds of debt settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to help you if your debt or loan is tied to a physical item.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without any problems. Moreover, this type of service is available across all 50 states, if you owe money to the IRS. They have federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. However, they can assist private students in negotiating any loans they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you have paid off all of your debts.
Additionally, they do not charge high fees as well. In the average, you’ll need to pay as much as 20 percent of the debt that you settled through them.
In general, this type of industry can charge anywhere from 15% to 25 percent.
Additionally, customers can anticipate to settle their debts within 2 to 4 years. But, it also differs depending on the amount that you can save up per month.
Additionally, they claim you can save as much as 30% when you factor in their charges into your calculation.
However, this statement will vary, depending on your situation. Some customers have even talked about saving 50% to 80percent.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt offers, let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. Additionally they charge only an amount of 20%, while many companies charge 25%.
If you’re finished in the process of debt resolution, you may join their credit repair program.
It’s a great option to rebuild your credit without having to go into debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also look into any violations of creditor using their own experts.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to cease making payments with your credit card. If you’re trying to improve your rating on your credit, this may delay you from working on your obligations.
CureDebt also doesn’t have a mobile app available. Although they have a website that clients can access 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 received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more on these kinds of services. In addition the 20% service fee is cheaper than most businesses that charge a 25% fee. There is no upfront payment and you’ll only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account to see your progress, their website is not user-friendly. CuraDebt does not have an app that would make it easier to track your performance.
However, they have a good support team that you can contact them not only through emails but also via phone or submitting an e-ticket. Covenant Tax Relief
If your credit card is a major problem, then we recommend CuraDebt’s service. Be sure to be qualified and that the services that they provide are offered in your area.
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FAQ Covenant Tax Relief
What is the time frame to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt provides tax relief programs to aid you in dealing with problems like delinquent taxes and wage garnishments.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to pay down your debt over time.
