Have your debts been increasing lately? Are you tired of trying various financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve been through everything.
In the majority of cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is among the companies that get the most inquiries. Many people are asking if they are able to help or help you get into more debt.
According to their clients they can help you manage 80percent of your debt so that you can take couple of w
orries off your shoulders.
For some the claims seem too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at the way CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, watch this video instead if you 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 the article for a more comprehensive review.
About the Company Curadent Sbiancante
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000, and is an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been 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 one of CuraDebt’s best popular feature. But they offer other services that can help you be more financially secure.
First of all, it begins with requesting a free savings estimate online. The service is completely confidential and won’t be doing a credit check. With this savings estimate, you will learn more about your other options in your journey to debt-free.
Savings estimates, as mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to help you with credit arbitration if you decide to join. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement plan, CuraDebt will be the agency to take care of all your creditors’ calls. They will be the ones who negotiate what you will pay for your repayment based on the status of your finances. In determining which option is the most effectively your situation, the payment could be a lump-sum settlement or a payment plan.
Additionally they will work with creditors so that you can get better rates when you make deposits to your savings account. This is then processed to pay off the creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve registered with them, they will provide you with access to your account information 24 hours a day. All you need to do is log in to CuraDebts the client portal to track your performance.
Before you can avail of the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you?
Here are some of the ways CuraDebt can assist you.
Like their name implies, CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. These include personal loans, medical bills credit cards, and also loans. You can also approach them to pay off any remaining balance on business debt, collections, or repossessions.
They can even help negotiate for back taxes and IRS debt. However, you won’t get assistance for the majority claims, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if they are possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt lets you repay debt for less than the amount you own. You can also ask questions during their free meeting with their debt advisor.
The best part about their program is that you will 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 deal with taxes. Once they collect all of your financial documents and tax documents, they’ll also collect all the documents you’ll require for tax returns.
With this program, you’ll be able to solve various tax issues like garnishments on wages and tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees neither are there hidden fees. They only offer flat-fee prices, which depends on the amount you’ll must settle.
There are a variety of options for the settlement of your tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kinds of debts can they help you with?
Although debt settlement is their forte however, they do not provide all kinds of settlement. CuraDebt only focuses on debt that is not secured. They aren’t able to help you if your credit or loan is tied to an actual item.
However, if you have the following kinds of debt, they will arrange settlements for you.
With CuraDebt it is expected that you will be able to settle taxes that are due without difficulty. Moreover, this type of service is accessible to all 50 states if you owe money towards the IRS. There are federal tax experts who can assist you in resolving these types of issues.
CuraDebt will also help you resolve any medical-related debt. In some cases, you may even pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students with negotiating any loans they have to pay.
Payday loans and personal loans also qualify as debt-settling programs. You can also avail if you have other unsecured credit lines you obtained from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how they’ve priced their service. They don’t charge upfront fees. The only time you pay is when you have paid off all of your debts.
They also don’t have high-cost costs either. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
On average, this type of industry can charge anywhere between 15 and 25%.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. However, this also varies according to the amount you save per month.
Additionally, they claim that you can save as much as 30% if you include their costs into your calculations.
But this claim will also differ based on your specific situation. Some customers have even talked about saving between 50% and 80%.
Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. In addition they charge only a 20% fee while many companies charge 25 percent.
Then, if you’re done by the program for debt relief you can also sign up for their credit repair program.
It’s a fantastic option to rebuild your credit score without having to go into debt again. The program is however designed differently for each person, depending on your situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also investigate any violations of creditor using their own experts.
The drawbacks of the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with your credit card. Therefore, if you’re trying increase your rating on your credit, this may cause you to delay getting rid of your credit card debt.
CureDebt does not have a mobile app available. Although they have a website for clients, it looks aged and simple. It’s not particularly intuitive and could be challenging to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more on those types of services. Moreover their 20% service fee is less expensive than the majority of firms that charge the 25% cost. 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 easy to navigate. CuraDebt does not have an app that will make it easier to monitor your progression.
But, they do have a good support team that you can contact them not just via email but also via phone or making an e-ticket. Curadent Sbiancante
If the credit card is a major problem right now, we highly recommend CuraDebt’s program. Just make sure that you’re qualified and that the services they provide are in your area.
FAQ Curadent Sbiancante
What is the time frame to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt help with tax problems in the state?
Sure, 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 once I’m in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to pay down your debt over time.