Have your debts been piling up lately? Are you burnt out from trying different financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve tried everything.
In most cases, the most effective approach is to talk to experts who can help to resolve this issue.
CuraDebt is among the most asked companies. Many people are asking if they can help you or put you in more debt.
According to their clients they can help you manage 80% of your debt so that you can take few things off of your shoulders.
But for some people, these claims are just too good to be true.
You might be looking for something that will help you resolve your debt. In this case, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of the way CuraDebt is used and the problems it could help solve.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, you can go to this video if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Disaster Relief Tax Credits
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. However, they also offer other services that will assist you in becoming financially stable.
First of all, it begins by requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this savings estimate, you will learn more about your options towards debt-free.
The savings estimate, as we’ve mentioned previously, offers you an insight into your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you in navigating credit arbitration if you decide to join. Some financial advisors can help you with your debt-free journey.
After your debt settlement plan, CuraDebt will be the agency to handle all of your creditors’ calls. They’ll also be the ones that will determine conditions of the settlement based on the status of your finances. Based on what works best your situation, the payment can either be a lump sum settlement or an installment plan.
Moreover they will work with lenders to help you have better rates as you deposit money to your savings account. This is then processed to pay off the creditors. Their plans can help you get rid of debt in just the period of 48 months.
After you’ve signed up with them, they’ll give you access to your account information 24 hours a day. All you need 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 are able to avail their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll need to be:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can help you deal with debt. They are able to negotiate settlements on behalf of you for all kinds of debt. These include medical bills, personal loans, credit cards and lines of credit. They can also be approached to help settle any remaining balance on business debt and collections or repossessions.
They can even help negotiate with back taxes as well as IRS debt. However, you will not receive assistance with the majority claims, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation to ensure that you receive cash settlements, should it be possible. Certain violations may result in having your debts removed as well.
CuraDebt lets you settle debt with less than the amount you own. They also allow you to inquire about your debt during their no-cost meeting with their debt counselor.
The best part about their plan is that you only pay the fees when your debt is paid off. All you have to sign up to one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they collect all of your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to resolve the various types of tax problems such as wage garnishments, tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They only use flat-fee pricing that is based on the amount you’ll need to settle.
They offer different options for 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 kind of debt are they able to help with?
Although they specialize in debt settlement, it is not their specialty however, they do not offer all kinds in debt resolution. CuraDebt only focuses on unsecured debt. They won’t be able to help you if the loan or debt is linked to a physical item.
If, however, you are in the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able to settle your past-due tax debts without any problems. Furthermore, this service is available to all 50 states if you have a debt in arrears to IRS. There are tax experts from the federal government to assist you with the issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some instances you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students with negotiating any loans they owe.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. You may also be eligible the program if you have other unsecure credit lines you obtained from an alternative financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards and private-label credit cards, CuraDebt can assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you’ve paid each of your outstanding debts.
Also, they don’t have high-cost charges either. On average, you’ll have to pay up to 20% of the debt you settled through them.
In general, this type of industry can charge anywhere from 15% to 25 percentage.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. This varies in relation to the amount you are able to save each month.
Also, they claim you can save up to 30% when you factor in their costs into your calculations.
But this claim will also vary, depending on your situation. Some clients even mentioned saving 50 to 80%.
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The benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Furthermore they charge only 20% of the cost, whereas the majority of companies charge 25 percent.
If you’re finished with the debt settlement program you could enroll in their credit repair program.
It’s a fantastic option to rebuild your credit without having to go into debt again. However, the program runs differently for each person, depending on your situation.
Lastly, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also investigate any creditor violations with the help of their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with your credit card. So if you’re trying to build a better credit score, it may delay you from finishing your credit card debt.
CureDebt doesn’t even offer a mobile application. While they do 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.
In addition, they’re not accredited 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 for these types of services. Moreover, their 20% service charge is less expensive than the majority of firms 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 so that you can track your progress, their website is not simple to navigate. CuraDebt isn’t even an app that will make it easier to monitor your progress. Disaster Relief Tax Credits
However, they have a competent support staff that you can contact them, not only via emails but also via phone or submitting an electronic ticket. Disaster Relief Tax Credits
If credit card is a major problem right now, we recommend CuraDebt’s service. Be sure to be eligible and that the programs they provide are in your area.
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FAQ Disaster Relief Tax Credits
How long does it take to complete the course?
The typical program lasts from between 24 and 48 months dependent on the size of your debt and the stipulated settlement.
Can CuraDebt assist with state tax problems?
Yes, CuraDebt offers a program for tax relief that can assist you with issues like delinquent tax and wage garnishments.
What’s the first thing I have to do after joining the program?
You’ll need to constantly communicate with your team members and pay the required payments to pay down the amount of debt you have over time.
