Has your debt been piling up lately? Are you burnt out from trying other financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve been through everything.
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 customers have asked if they can assist you or put you into more debt.
According to their clients, they can help you manage the majority of your debt so that you can finally take a few things off of your mind.
However, for certain people the claims seem too good to be true.
If you’re looking for anything that can assist you in paying off your debt. If that’s the case, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion we’ll look at its benefits and drawbacks.
Before beginning the review, check out this video instead if you prefer 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 the article for a more comprehensive review of CuraDebt.
About the Company Elite Tax Relief Arkansas
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 accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. They also provide other services that can assist you in becoming financially secure.
First of all, it starts by requesting a no-cost online savings estimate. It is a completely private service and they will not be conducting a credit screening. With this savings estimate, you will discover more about options to debt-free.
This estimate of savings, as mentioned previously, offers you the opportunity to consider your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you with credit arbitration if you decide to sign up. Financial advisors may be able to assist you on your path to debt-free living.
After your debt settlement program is completed, CuraDebt will be the agency to take care of all your creditor’s calls. They will also be the ones that will determine conditions of the payment depending on the condition of your finances. Based on what works most effectively for you, it can either be a lump sum settlement or an installment plan.
Moreover they will work with creditors to ensure that you get better rates when you deposit money to your savings account, which is then processed to pay off creditors. Their programs can assist you to pay off the debt in 48 months.
Once you’ve signed up with them, they’ll allow you access to your account information 24 hours a day. All you need to do is log in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to satisfy their criteria first. For eligibility, you’ll need to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. These include personal loans, medical bills credit cards and also loans. They are also able to help settle any remaining balance on business debt and collections or repossessions.
They can even help negotiate on tax owed and IRS debt. However, you won’t get support for most claims, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt lets you settle debt with less than the amount you own. They also allow you to ask questions during their free meeting with their debt advisor.
The best part about their program is that you only pay the fees when your debt is paid off. All you need to sign up to one of their plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. After they have gathered all your financial documents, they will also collect all the necessary paperwork for tax returns.
With this program, you should be able to resolve various tax issues such as wage garnishments and tax penalties, personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs also. They use only flat-fee pricing that is based on the amount that you’ll need to settle.
They offer different options in the settlement of taxes. Here are 6 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 offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They can’t assist you if your credit or loan is tied to a physical item.
If you do 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 taxes that are due without any issues. Additionally, this service is offered to all 50 states if you owe money to the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate any student loans that they owe.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards or private label credit cards, CuraDebt will assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. The only time you pay is when you settle each of your outstanding debts.
Also, they do not charge high fees as well. On average, you’ll be required to pay as much as 20% of the debt you settled through them.
On average, this type of business can cost anywhere from 15% to 25%.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. However, this also varies in relation to the amount you are able to save each month.
Additionally, they claim that you could save as much as 30% when you factor in their costs into your calculations.
However, this statement will vary, depending on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt offers, let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt will only charge you once you’ve paid off your debt. Additionally they charge only an amount of 20%, while many companies charge 25 percent.
Then, if you’re done with the debt settlement program you may enroll in their credit repair program.
It’s a fantastic option to rebuild your credit score without going back into debt. However, the program lasts in a different way for each individual according to your personal situation.
Finally, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also look into any violations of creditor with the help of their own experts.
The drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with . Therefore, if you’re trying increase your credit score, it may cause you to delay working on your obligations.
CureDebt does not have a mobile app. Although they have a client website, it looks outdated and basic. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to pay off your debts without spending more for these types of services. Additionally the 20% service charge is lower than many firms that charge an additional 25% charge. There aren’t any upfront fees, and you will only be required to pay once the debt is paid off.
Although they’ll allow you to access an account so that you can track your progress, their website is not user-friendly. CuraDebt isn’t even an app that would make it easier to monitor your progress.
But, they do have a good support team, and you can reach them not only through emails but also by phone or sending an e-ticket. Elite Tax Relief Arkansas
If the credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they provide are in your state.
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FAQ Elite Tax Relief Arkansas
How long will it take to finish the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program to help you with problems such as late payroll taxes and garnishments of wages.
What should I do once I’m 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.
