Are you experiencing debt that has been piling up lately? Are you exhausted from trying different financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, the best option is to speak with professionals that can help 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 put you in more debt.
According to their clients, they can assist you in managing the majority of your debt , so you are able to take few things off of your plate.
But for some people they believe these claims are too good to be true.
You might be looking for something that will assist you in paying off your debt. In that situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of how CuraDebt operates and what issues it can help you solve.
Moreover, before we end our discussion, we’ll take a look at its benefits and drawbacks.
Before beginning the review, you can watch this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Fema Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. However, they also offer additional services to help you be more financially stable.
It all begins with requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this savings estimate, you will learn more about your alternatives to debt-free.
This estimate of savings, which was mentioned previously, offers you the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt can be the company to answer all of your creditor’s calls. They’ll also be the ones that will determine the terms of your repayment depending on the condition of your financial situation. In determining which option is the best your situation, the payment could be a lump-sum settlement or an installment plan.
Furthermore they will be working with lenders to help you have better rates as you deposit money to your savings account, which in turn, will process to pay off the creditors. Their programs can assist you to get rid of debt in just 48 months.
Once you’ve signed up with them, they will give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts the client portal to monitor your development.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll have to be:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They are able to negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills, credit cards as well as lines of credit. They can also be approached to help settle any remaining balance on business debt and collections or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive support for most cases, government loans as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation so that you can have cash settlements, if possible. Certain violations could lead to having your debts also dismissed.
CuraDebt can also help you repay debt for less than the amount you have. You can also ask questions during their free consult with their debt advisor.
The greatest benefit of their plan is that you’ll only be charged after your debt has been settled. All you have to do is sign up with some of their programs and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial documentation and tax documents, they’ll also collect all the necessary paperwork for tax returns.
By using this program, you’ll be able to deal with the various types of tax problems like garnishments on wages, tax penalties, personal and business taxes, back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs also. They use only flat-fee pricing and is dependent on the amount that you’ll need to settle.
They have different solutions in the settlement of the tax debt. Here are six 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 are they able to help with?
While debt settlement is their specialization, they don’t provide all kinds of debt settlement. CuraDebt is only focused on debt that is not secured. They won’t be able to help you if the credit or loan is tied to an item that is physical.
If you do have the following types of debt, they’ll negotiate settlements on your behalf.
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 available across all 50 states, if you owe money in arrears to IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases, you may even pay them less than the amount you are owed.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students in negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible 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 have obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. Only pay when you settle each of your outstanding debts.
Also, they don’t charge high costs either. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
In general, this type of industry charges between 15% and 25%.
Moreover, clients can expect to settle their debt from two to four years. However, this also varies in relation to the amount you can save up per month.
They also claim you can save as much as 30% when you factor in their fees in your equation.
However, this statement will differ based on your specific situation. Some customers have even talked about saving 50 to up to 80%.
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Benefits of using CuraDebt
Once you’ve got an understanding of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt will only charge you when you’ve paid off your debt. In addition, they only charge 20% of the cost, whereas the majority of companies charge 25 percent.
Then, if you’re done with the debt settlement program, you can join their credit repair program.
It’s an excellent method to improve the credit rating without going in debt again. However, the program runs different for every person, depending on your situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also be looking into any violations by creditors with the assistance of their own experts.
Drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with . If you’re trying to increase your rating on your credit, this could delay you from getting rid of your credit card debt.
CureDebt does not offer a mobile application. Although they have a client website however, it appears old and mundane. It’s not very user-friendly, and can be challenging to navigate.
Moreover, they are still not accredited with an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more on those types of services. Additionally the 20% service cost is cheaper than most companies that offer a 25% fee. There are no upfront payments and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt isn’t even an app yet, which could make it easier for you to look at your progress. Fema Tax Relief
But, they do have a great support team that you can contact them not just via email but also via phone or sending an electronic ticket. Fema Tax Relief
If your debt is a big problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Fema Tax Relief
What is the time frame to finish the program?
The typical program lasts from 24 to 48 months, depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt aid in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that can assist you with issues such as late payroll taxes and garnishments of wages.
What do I need to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to reduce the amount of debt you have over time.
