Are you experiencing debt that has been increasing lately? Are you burnt out from trying various financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve already tried everything.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is one of the most asked companies. A lot of customers have asked if they can help you or put you into more debt.
According to their customers, they can help you manage 80% of your debt , so you can finally take a couple of things off your shoulders.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. If that’s the situation, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at the way CuraDebt operates and what issues it could help solve.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, go to this video for a more relaxing way for it to be watched.
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’ll want to read the rest of our article for a more comprehensive review.
About the Company Federal Debt And Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have imposed restrictions on their services.
What can CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. However, they also offer other services that will assist you in becoming financially secure.
The process begins by requesting a free savings estimate online. It is a completely private service, and they won’t be conducting a credit screening. With this estimate of savings, you will discover more about options to debt-free.
Savings estimates, as mentioned earlier, provides you with an idea of 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 in navigating 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 plan, CuraDebt will be the agency to answer all of your creditors’ calls. They’ll be the ones who determine the terms of your settlement depending on the condition of your finances. Based on what works best to you, this could be a lump-sum settlement or the option of a payment plan.
Additionally they will also be working with the creditors so that you can get better rates when you transfer money into your savings account. This is then processed to pay back creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will give you access to your data 24/7. All you have to do is sign in to CuraDebts’ client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards, as well as line of credit. You can also approach them to settle any outstanding balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you will not receive assistance for the majority claims, loans from the government or collateral, as well as utility bills. The same goes for student loans.
On the contrary, they’ll help you use laws like 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 may cause your debt to be removed as well.
CuraDebt also allows you to settle debt with less than the amount you own. They also allow you to have questions answered during a free consult with their debt advisor.
The greatest benefit of their program is that you will only be charged when your debt is paid off. All you need to do is sign up with any of the plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
By using this program, you’ll be able to resolve the various types of tax problems like garnishments on wages and tax penalties, personal and corporate taxes, back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They only use flat-fee pricing that is based on the amount you must settle.
There are a variety of options for settling your tax debt. 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?
Although they specialize in debt settlement, it is not their specialization, they don’t cater to all types in debt resolution. CuraDebt only focuses on debt that is not secured. They won’t be able to help you if the debt or loan is tied to a physical item.
However, if you have the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without any problems. Furthermore, this service is available to all 50 states in the event that you owe money towards the IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances, you may even pay them less than the amount you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students with negotiating 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 of the program if you also have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card CuraDebt can help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They do not charge an upfront cost. Only pay when you settle each of your debts.
Additionally, they don’t charge high costs either. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
In the average, this kind of industry can charge anywhere between 15% and 25 percent.
Moreover, clients can expect to settle their debts within two to four years. But, it also differs according to the amount you can save up per month.
Additionally, they claim you can save up to 30% by incorporating their charges into your calculation.
However, the claim may vary, depending on your situation. Some customers have even talked about saving 50 to up to 80%.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can offer you let’s look into the advantages of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. Furthermore they charge only a 20% fee while many companies charge 25 percent.
Next, if you’re done with the debt settlement program you could join their credit repair program.
It’s a fantastic method to improve the credit rating without having to go into debt again. However, the program runs in a different way for each individual according to your personal situation.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. So, your debt won’t increase over time. They’ll also be looking into any creditor violations using their experts in-house.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with your credit card. If you’re trying to improve your standing on credit scores, you could cause you to delay working on your credit card debt.
CureDebt does not have a mobile app. Although they have a website for clients however, it appears old and mundane. It’s not very intuitive and could be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to pay off your debts without spending more on these kinds of services. In addition the 20% service charge is cheaper than most businesses 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 that allows you to track your progress but their website isn’t simple to navigate. CuraDebt also doesn’t have an app yet, which could make it easier for you to look at your performance.
However, they have a competent support staff that you can contact them, not only via emails but also by phone or sending an e-ticket. Federal Debt And Tax Relief
If debt is a big issue right now, we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the services that they provide are offered in your state.
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FAQ Federal Debt And Tax Relief
How long does it take to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt assist in the fight against state tax issues?
It is true that CuraDebt offers a program for tax relief that will help you with problems such as late payroll tax and wage garnishments.
What do I need to do once I’m in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to lower your debt over time.
