Are you experiencing debt that has been increasing lately? Are you tired of trying different financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve already tried every thing.
In the majority of cases, your best option is to speak with experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they are able to help or help you get into more debt.
According to their clients they can help you manage 80% of your debts so that you are able to take couple of w
orries off your mind.
But for some people they believe these claims are too good to be true.
If you’re looking for anything that can assist you in paying off your debt. In this case, CuraDebt will mostly be recommended by people. We’ll be taking a deep study of the way CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before you begin the review, check out this video instead in case you would prefer watching 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 review. Afterward, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company E Working Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. But they offer other services that will assist you in becoming financially secure.
First of all, it starts by requesting a no-cost savings estimate online. The service is completely confidential and won’t conduct a credit inquiry. With this estimate of savings you’ll be able to learn more about the other options in your journey towards debt-free.
This estimate of savings, as mentioned before, gives you an insight into your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you in navigating credit arbitration if you decide to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following your debt settlement plan, CuraDebt can be the agency to take care of all your creditor’s calls. They will also be the ones that will determine the terms of your repayment depending on the condition of your finances. In determining which option is the most effectively to you, this can either be a lump sum settlement or an installment plan.
Additionally they will work with creditors to ensure that you enjoy better rates when you transfer money into your savings account. This, in turn, will be processed to pay the creditors. Their programs can assist you to pay off the debt in two years.
After you’ve signed up with them, they will give you access to your data 24/7. All you need to do is log in to CuraDebts Client Portal to monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to be:
- At least 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing your debt. They can negotiate settlements on your behalf for most types of debt. This includes medical bills, personal loans credit cards and line of credit. You can also approach them to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive support for most of your lawsuits, loans from the government, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation in order to get cash settlements, if possible. Certain violations may lead to having your debts removed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. You can also inquire about your debt during their no-cost consultation with their debt counsellor.
The greatest benefit of their plan is that you’ll only be charged when your debt is paid off. All you have to sign up for some of their programs and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. Once they’ve gathered all your financial documents, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you will be able to solve various tax issues such as wage garnishments as well as tax penalties for personal and business taxes, back taxes and trust fund penalties and tax lien.
There aren’t any hidden costs either. They use only flat-fee pricing, which depends on the amount you have to pay.
They have different solutions in settling the tax debt. 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 types of debt can they help you with?
While debt settlement is their specialization but they aren’t able to cater to all types of settlement. CuraDebt is only focused on loans that are not secured. They aren’t able to assist you if your credit or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without difficulty. Moreover, this type of service is available to all 50 states if you owe money to the IRS. There are federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances you might even be able to pay them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students negotiate any student loans that they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you have obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card 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 services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your debts.
Additionally, they don’t charge high costs either. On average, you’ll have to pay as much as 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15% and 25 percentage.
Additionally, customers can anticipate to settle their debts within two to four years. But, it also differs depending on the amount that you are able to save each month.
They also claim that you could save up to 30% by incorporating 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 80percent.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Additionally they charge only an amount of 20%, while most companies charge you 25%.
Next, if you’re done with the debt settlement program, you may enroll in their credit repair program.
It’s an excellent method to improve your credit score without going into debt again. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, 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 using their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with the credit card you use. So if you’re trying to build a better credit score, it could set you back while you’re working on your debt.
CureDebt doesn’t even have a mobile app available. Although they have a website that clients can access, it looks old and mundane. It’s not particularly intuitive and could be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that allows you to settle your debt without spending more on those types of services. In addition their 20% service cost is cheaper than most companies that offer the 25% cost. There are no upfront payments and you’ll only have to pay when the debt is paid off.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app yet, which would make it easier to track your performance.
But, they do have a great support team that you can contact them, not only via emails but also by phone or submitting an electronic ticket. E Working Tax Relief
If the credit card is a major problem, then we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services that they provide are offered in your area.
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FAQ E Working Tax Relief
What is the time frame to complete the course?
The program typically takes 24 to 48 months, depending on the amount 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 assist you with issues like delinquent tax and wage garnishments.
What should I do once I’m in the program?
You’ll be required to communicate with the team and make the necessary payments to lower the amount of debt you have over time.
