Has your debt been piling up lately? Are you exhausted from trying various financial tips and advice but still have unsolved issues?
Maybe you’re here because tried everything.
In the majority of cases, the most effective approach is to talk to professionals that can help you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of people are asking if they can assist you or put you in more debt.
According to their clients they can assist you in managing the majority of your debts so that you are able to take few things off of your plate.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. If that’s the case, CuraDebt will mostly be recommended by people. We’ll take a deeper review of how CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before beginning the review, go to this video for a more relaxing way to watch it.
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 the article for a more comprehensive review of CuraDebt.
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CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. They also provide other services that will aid you in becoming more financially secure.
It all starts by requesting a no-cost online savings estimate. The service is completely confidential and they will not be doing a credit check. By using this estimate of savings you’ll learn more about your other options in your journey towards debt-free.
Savings estimates, as mentioned before, gives you the opportunity to consider your options, regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration in the event that you decide to enroll. Some financial advisors can help you with your debt-free journey.
After your debt settlement program, CuraDebt is the company to take care of all the calls from your creditors. They’ll also be the ones who determine the terms of your settlement depending on the condition of your financial situation. Depending on which works best to you, this could be a lump-sum settlement or the option of a payment plan.
Furthermore, they will work with creditors so that you can enjoy better rates when you transfer money into your savings account. This in turn, will be processed to pay off the creditors. Their plans can help you pay off the debt in two years.
Once you’ve signed up with them, they’ll provide you with access to your data 24/7. All you need to do is sign in to CuraDebts Client Portal to track your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll need to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with debt. They can negotiate settlements on behalf of you for the majority of types of debt. They can help with personal loans, medical bills credit cards, and lines of credit. They are also able to help settle any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate with back taxes and IRS debt. However, you will not receive support for most of your lawsuits, loans from the government, collateral, and utility bills. The same goes for student loans.
On the other hand, they can assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations to ensure that you receive cash settlements, if possible. Some violations can also cause your debt to be removed as well.
CuraDebt lets you repay debt for less than the amount you own. They also allow you to have questions answered during a free meeting with their debt counselor.
The greatest benefit of their program is that you only pay the fees once your debt is settled. All you need to do is sign up with one of their plans and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. After they have gathered all your financial records They will also gather all the documents you’ll require to file tax returns.
By using this program, you should be able to solve different types of taxes like garnishments on wages and tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs neither are there hidden fees. They use only flat-fee pricing, which depends on the amount you have to pay.
There are a variety of options for settling taxes. 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 kind of debt can they help you with?
While debt settlement is their forte, they don’t 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 actual item.
However, if you have the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able pay off your past-due tax debts without difficulty. Moreover, this type of service is accessible to all 50 states in the event that you owe money towards the IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students negotiate the student loans they are owed.
Personal Loan
Personal loans and payday loans also qualify 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 an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards CuraDebt can help you pay it off.
What is the cost?
The best part about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. The only time you pay is when you’ve paid each of your debts.
They also do not charge high fees as well. On average, you’ll be required to pay as much as 20 percent of the debt that you settled through them.
In general, this type of industry can charge anywhere between 15% and 25%.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. However, this also varies according to the amount you save per month.
They also claim that you can save as much as 30% if you include their costs into your calculations.
However, the claim may depend on your situation. Some customers have even talked about saving between 50% and 80percent.
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The benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you once you’ve paid off your debt. In addition, they only charge a 20% fee while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program you can enroll in their credit restoration program.
It’s a great way to restore the credit rating without going into debt again. However, the program lasts differently for each person, depending on your situation.
Finally, CureDebt looks into your credit to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also investigate any creditor violations with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to stop making payments using the credit card you use. If you’re trying to improve your standing on credit scores, you might delay you from working on your credit card debt.
CureDebt does not have a mobile app available. Although they have a website for clients, it looks old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on those types of services. Additionally their 20% service charge is lower than many companies that offer the 25% cost. There aren’t any upfront fees and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t user-friendly. CuraDebt does not have an app yet, which could make it easier for you to track your progress.
However, they have a good support team and can be reached them not just via email but by phone or by sending an e-ticket. Education Relief For Graduate Students Senate Tax Proposal
If the debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the programs that they provide are offered in your area.
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FAQ Education Relief For Graduate Students Senate Tax Proposal
What is the time frame to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt provides tax relief programs to assist you with issues like delinquent taxes and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to pay down your debt over time.
