Are you experiencing debt that has been increasing lately? Are you exhausted from trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, the best option is to speak with experts who can assist you settle this issue.
CuraDebt is among the companies that get the most inquiries. Many customers have asked if they can assist you or put you in more debt.
According to their clients, they can help you control 80% of your debt , so you can finally take a couple of things off your plate.
For some, these claims are just too good to be true.
If you’re looking for something that will help you resolve your debt. If that’s the situation, CuraDebt will mostly be recommended by people. We’ll take a deeper study of the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, you can check out this video instead in case you would prefer for it to be watched.
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 overview. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Eis Tax Relief Explained
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. However, they also offer other services that can assist you in becoming financially stable.
It all begins with requesting a free savings estimate online. The service is completely confidential, and they won’t be conducting a credit screening. With this savings estimate you’ll be able to be able to learn more about the options to debt-free.
Savings estimates, which was mentioned before, gives you the opportunity to consider your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with credit arbitration in the event that you decide to enroll. Some financial advisors can help you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt can be the one to answer all of your creditors’ calls. They will also be the ones that negotiate what you will pay for your repayment in accordance with the state of your finances. Based on what works best for you, it could be either a lump sum settlement or an installment plan.
Furthermore, they will work with lenders to help you have better rates as you deposit money to your savings account, which in turn, will be processed to pay the creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve registered with them, they’ll give you access to your data 24/7. All you have to do is log in to CuraDebts’ client portal to monitor your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to meet the following criteria:
- At least 21 years old
- 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 assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf for the majority of types of debt. These include personal loans, medical bills credit cards and also loans. You can also approach them to help settle any remaining amount on business debts and collections or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive assistance for the majority claims, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors in order to get cash settlements, if possible. Certain violations could lead to having your debts dismissed as well.
CuraDebt also allows you to settle debt with less than the amount you have. Additionally, you can ask questions during their free consult with their debt counselor.
The greatest benefit of their plan is that you only have to pay for the charges after your debt has been settled. All you have to sign up for any of the plans and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they collect all of your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
By using this program, you’ll be able to resolve various tax issues like garnishments on wages and tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs also. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They offer different options when it comes to settling 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 kinds of debts can they assist you with?
While debt settlement is their specialty however, they do not cater to all types of settlement. CuraDebt only focuses on loans that are not secured. They won’t be able to assist you if your debt or loan is tied to an actual item.
However, if you have the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to pay tax debts that were due to be paid without any problems. Additionally, this service is accessible across all 50 states, if you owe money in arrears to IRS. There are federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases, you may even pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students with negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines that you got from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards, CuraDebt can help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your debts.
They also don’t charge high charges either. In the average, you’ll need to pay up to 20% of the debt you settled with them.
In general, this type of industry can charge anywhere from 15% to 25 percent.
In addition, customers can expect to pay off their debts in between 2 and 4 years. However, this also varies according to the amount you are able to save each month.
They also claim that you could save up to 30% when you factor in their charges into your calculation.
However, this statement will differ based on your situation. Some clients even mentioned saving between 50% and 80percent.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt offers, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Additionally they charge only a 20% fee while most companies charge you 25%.
Next, if you’re done with the debt settlement program you may also sign up for their credit restoration program.
It’s an excellent option to rebuild your credit score without having to go in debt again. The program is however designed 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 increase over time. They’ll also be looking into any violations by creditors using their in-house experts.
Drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with the credit card you use. Therefore, if you’re trying improve your rating on your credit, this could set you back while you’re working on your obligations.
CureDebt doesn’t even offer a mobile application. While they do have a client website, it looks aged and simple. It’s not very intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more on these kinds of services. In addition, their 20% service cost is less expensive than the majority of firms that charge a 25% fee. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account to see your progress but their website isn’t easy to navigate. CuraDebt does not have an app that will make it easier to monitor your performance.
But, they do have a competent support staff, and you can reach them not just via email but also via phone or sending an electronic ticket. Eis Tax Relief Explained
If the problem of debt is an problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Eis Tax Relief Explained
How long does it take to complete the course?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt provides tax relief programs that can assist you with issues such as late payroll tax and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and pay the required payments to pay down your debt over time.
