Are you experiencing debt that has been increasing lately? Are you burnt out from trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, the best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the most frequently contacted companies. 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 control 80% of your debt , so you can take few things off of your shoulders.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll take a deeper review of the way CuraDebt operates and what issues it can help you solve.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, 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 watch 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.
About the Company Delinquent Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best known feature. They also provide other services that can aid you in becoming more financially secure.
The process begins with requesting a free online savings estimate. 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 other options in your journey towards debt-free.
The savings estimate, as mentioned before, gives you the opportunity to consider your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt can be the agency to handle all of the calls from your creditors. They will also be the ones that will negotiate what you will pay for your payment based on the status of your financial situation. In determining which option is the most effectively for you, it could be a lump-sum settlement or an installment plan.
Furthermore they will also be working with the creditors so that you can have better rates as you make deposits to your savings account, which is then processed to pay the creditors. Their programs can assist you to pay off the debt in the period of 48 months.
Once you’ve signed up with them, they’ll allow you access to your account information 24 hours a day. All you have to do is sign in to CuraDebts the client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans credit cards and loans. You can also approach them to pay off any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive assistance with the majority cases, loans from the government, collateral, and utility bills. The same goes for student loans.
On the other hand, they can help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, should it be possible. Certain violations could cause your debt to be removed as well.
CuraDebt can also help you pay off debts with less than the amount you have. They also allow you to ask questions during their free consult with their debt counsellor.
The most appealing aspect of their plan is that you’ll only pay the fees once your debt is settled. All you have to sign up for some of their programs, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial documentation, they will also collect all the paperwork you’ll need to file tax returns.
By using this program, you’ll be able to deal with various tax issues such as wage garnishments, tax penalties, personal and taxation for business and back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices, which depends on the amount you must settle.
They offer different options when it comes to 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 they specialize in debt settlement, it is not their specialty but they aren’t able to offer all kinds of settlement. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if the loan or debt is linked to an item that is physical.
If you do have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to settle taxes that are due without any issues. Furthermore, this service is accessible across all 50 states, if you have a debt towards the IRS. There are federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help 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 offer federal student loans. They can however assist private students negotiate any student loans that they have to pay.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines you obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards, CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. You’ll only pay once you’ve paid each of your outstanding debts.
Also, they don’t have high-cost charges either. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15% and 25%.
In addition, customers can expect to pay off their debts in 2 to 4 years. However, this also varies according to the amount you save per month.
Additionally, they claim that you could save up to 30% when you factor in their fees in your equation.
However, this statement will differ based on the situation. Some clients even mentioned saving between 50% and 80%.
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Benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt is only charged when you’ve paid off your debt. In addition they only charge an amount of 20%, while many companies charge 25%.
If you’re finished by the program for debt relief, you can also sign up for their credit repair program.
It’s an excellent way to restore your credit without going into debt again. However, the program lasts different for every person dependent on the circumstances of your case.
Lastly, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t increase over time. They’ll also look into any violations of creditor with the help of their in-house experts.
Some disadvantages to using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using the credit card you use. So if you’re trying to improve your rating on your credit, this may set you back while you’re finishing your credit card debt.
CureDebt also doesn’t have a mobile app. Although they have a client website however, it appears aged and simple. It’s not very intuitive and could be difficult to navigate.
Furthermore, they are 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 will allow you to pay off your debts without spending more on these kinds of services. Moreover their 20% service fee is cheaper than most companies that offer an additional 25% charge. There is no upfront payment and you’ll only be required to pay once the debt is paid off.
Although they’ll allow you to access an account so that you can track your progress however, their website isn’t easy to navigate. CuraDebt does not have an app that would make it easier to track your performance. Delinquent Tax Relief
However, they have a competent support staff that you can contact them not just via email but also via phone or sending an e-ticket. Delinquent Tax Relief
If the problem of debt is an issue right now, we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ Delinquent Tax Relief
What is the time frame to finish the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt and the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that will help you with problems like delinquent tax and wage garnishments.
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.
