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 already tried everything.
In the majority of cases, your most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the most frequently contacted companies. Many people have been inquiring whether they can help you or put you into more debt.
According to their clients they can assist you in managing 80% of your debts so that you can finally take a few things off of your mind.
For some they believe these claims are too good to be true.
If you’re looking for any solution that could aid you in settling your debt. If that’s the scenario, CuraDebt will mostly be recommended by people. We’ll be taking a deep review of the way CuraDebt operates and what issues it can help you solve.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before beginning 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 review. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Dubuque Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide additional services to assist you in becoming financially stable.
It all starts by requesting a no-cost savings estimate online. The service is completely confidential, and they won’t be doing a credit check. With this savings estimate, you will learn more about your options towards debt-free.
Savings estimates, as mentioned previously, offers you the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program, CuraDebt is the agency to answer all of your creditors’ calls. They will be the ones who will negotiate the terms of your repayment depending on the condition of your financial situation. Based on what works most effectively to you, this could be either a lump sum settlement or a payment plan.
Additionally they will be working with lenders to help you enjoy better rates when you make deposits to your savings account. This, in turn, will be processed to pay off the creditors. Their plans can help you settle the debt within two years.
Once you’ve signed up with them, they will allow you access to your information 24/7. All you need to do is login to CuraDebts the client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. To be eligible, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. These include medical bills, personal loans credit cards as well as line of credit. They are also able to help settle any remaining balance on business debt and collections or repossessions.
They may also assist in negotiating with back taxes and IRS debt. But, you won’t receive assistance with the majority cases, loans from the government or collateral, as well as 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 creditor violations so that you can have cash settlements, if they are possible. Certain violations could lead to having your debts also dismissed.
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 meeting with their debt counselor.
The greatest benefit of the program is that you will only have to pay for the charges when your debt is paid off. All you have to do is sign up with some of their programs and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial records, they will also collect all the paperwork you’ll need to file tax returns.
Through this program, you should be able to deal with different types of taxes such as wage garnishments as well as tax penalties for personal and taxation for business and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only offer flat-fee prices, which depends on the amount you’ll have to pay.
There are a variety of options when it comes to the settlement of your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt can they help you with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to provide all kinds of debt settlement. CuraDebt is only focused 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 you do have the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to pay tax debts that were due to be paid without difficulty. Furthermore, this service is offered to all 50 states if you have a debt to the IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. However, they can assist private students with negotiating the student loans they owe.
Personal Loan
Personal loans and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible the program if you have other unsecure credit lines that you got from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt can help you pay it off.
What will it cost you?
The greatest thing about CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you settle each of your debts.
They also don’t have high-cost fees as well. On average, you’ll be required to pay as much as 20% of the debt you settled with them.
In the average, this kind of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. This varies depending on the amount that you can save up per month.
Also, they claim you can save up to 30% if you include their charges into your calculation.
However, this statement will depend on your specific situation. Some clients even mentioned saving between 50% and 80percent.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. In addition they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done by the program for debt relief you can enroll in their credit repair program.
It’s a fantastic option to rebuild your credit without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that your debt won’t inflate over time. They’ll also be looking into any creditor violations using their own experts.
Drawbacks of using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using . If you’re trying to increase your rating on your credit, this might set you back while you’re working on your debt.
CureDebt doesn’t even have a mobile app. Although they have a website that clients can access, it looks outdated and basic. It’s not particularly intuitive and could be challenging to navigate.
In addition, they’re not credited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on these kinds of services. Additionally the 20% service fee is lower than many businesses that charge a 25% fee. There aren’t any upfront fees and you’ll only be required to pay once the debt is paid off.
While they’ll provide you with an account that allows you to track your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app that would make it easier to look at your progression.
However, they have a great support team, and you can reach them not only through emails but also by phone or sending an e-ticket. Dubuque Tax Relief
If your problem of debt is an problem, then we highly recommend CuraDebt’s program. Be sure to be qualified and that the services they offer are available in your state.
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FAQ Dubuque Tax Relief
How long will it take to finish the program?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt offers a program for tax relief that can assist you with issues such as delinquent payroll taxes and garnishments on wages.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to lower the amount of debt you have over time.
