Are you experiencing debt that has been increasing lately? Are you exhausted from trying other financial tips and advice but still have unsolved issues?
Maybe you’re here because you’ve already tried every thing.
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 most frequently contacted companies. A lot of people have been inquiring whether they can assist you or help you get into more debt.
According to their customers, they can help you manage 80% of your debts so that you are able to take couple of worries off your shoulders.
For some they believe these claims are too good to be true.
You might be looking for any solution that could aid you in settling your debt. In that scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of how CuraDebt operates and what issues it can solve for you.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before beginning the review, check out this video instead for a more relaxing way to watch it.
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 overview. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Do Tax Relief Companies Really Work
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has since become a participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. They also provide other services that can aid you in becoming more financially secure.
The process begins with requesting a free savings estimate online. The service is completely confidential and won’t conduct a credit inquiry. With this savings estimate, you will be able to learn more about the other options in your journey to debt-free.
The savings estimate, as we’ve mentioned earlier, provides you with an idea of your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement program, CuraDebt can be the company to take care of all your creditors’ calls. They will also be the ones that will determine the terms of your settlement in accordance with the state of your finances. In determining which option is the best for you, it could be a lump-sum settlement or an installment plan.
Moreover they will also work with creditors to ensure that you get better rates when you transfer money into your savings account. This in turn, will be processed to pay creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts Client Portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans, credit cards and loans. You can also approach them to settle any outstanding amount on business debts, collections, or repossessions.
They may even assist you in negotiating with back taxes as well as IRS debt. However, you won’t get assistance for the majority cases, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you in navigating laws such as 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 lead to having your debts dismissed as well.
CuraDebt also allows you to settle debt with less than the sum you have. You can also have questions answered during a free consultation with their debt counselor.
The most appealing aspect of their plan is that you will only have to pay for the charges when your debt is paid off. All you need to sign up for one of their plans and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial documents and tax documents, they’ll also collect all the necessary paperwork to file tax returns.
By using this program, you will be able to resolve different types of taxes such as wage garnishments and tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices, which depends on the amount that you’ll need to settle.
They have different solutions in settling the tax debt. Here are 6 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 debt settlement is their forte, they don’t provide all kinds of debt settlement. CuraDebt is only focused on unsecured debt. They can’t help you if the credit or loan is tied to an actual item.
If, however, you are in the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without any issues. Additionally, this service is accessible across all 50 states, if you have a debt towards the IRS. There are federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In certain cases, you may even pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students with negotiating the student loans they have to pay.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The best part about CuraDebt is the way the company has priced its services. They do not charge an upfront cost. You’ll only pay once you have paid off all of your outstanding debts.
Additionally, they don’t have high-cost fees as well. On average, you’ll be required to pay between 20 and 20 percent of the debt you settled with them.
On average, this type of industry charges from 15% to 25%.
Additionally, customers can anticipate to settle their debt from two to four years. This varies depending on the amount that you are able to save each month.
Additionally, they claim that you can save as much as 30% if you include their charges into your calculation.
However, this statement will vary, depending on your specific situation. Some customers even claimed to save between 50% and 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s explore the benefits from using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. Additionally they charge only 20% of the cost, whereas most companies charge you 25%.
Next, if you’re done with the debt settlement program, you could join their credit restoration program.
It’s an excellent option to rebuild your credit score without going into debt again. However, the program lasts different for every person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t inflate over time. They’ll also be looking into any violations of creditor using their in-house 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 typically require you to stop making payments using . Therefore, if you’re trying build a better credit score, it might cause you to delay working on your debt.
CureDebt doesn’t even offer a mobile application. Although they have a website for clients however, it appears aged and simple. It’s not particularly intuitive and could be difficult to navigate.
Moreover, they are still not recognized by the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you resolve your debt without having to spend more on those types of services. Additionally their 20% service fee is lower than many firms that charge a 25% fee. There are no upfront payments, and you will only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account to see your progress but their website isn’t user-friendly. CuraDebt does not have an app yet, which would make it easier to look at your performance. Do Tax Relief Companies Really Work
They do have a great support team and can be reached them not just via email but also by phone or submitting an e-ticket. Do Tax Relief Companies Really Work
If problem of debt is an problem, then we recommend CuraDebt’s service. Make sure you’re eligible and that the programs that they provide are offered in your state.
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FAQ Do Tax Relief Companies Really Work
How long will it take to complete the course?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that can aid you in dealing with problems such as late payroll tax issues and garnishments of wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with your team members and pay the required payments to reduce your debt over time.
