Has your debt been piling up lately? Are you exhausted from trying different financial tips and advice but haven’t solved your problems?
Maybe you’re here because tried every thing.
In the majority of cases, the most effective approach is to talk to experts who can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. Many people are asking if they can help you or put you into more debt.
According to their customers, they can help you control the majority of your debt so that you can take few things off of your plate.
However, for certain people, these claims are just too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. If that’s the case, CuraDebt will mostly be suggested by people. We’ll take a deeper study of how CuraDebt is used and the problems it can help you solve.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before beginning the review, you can check out this video instead if you prefer to watch it.
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 review. Afterward, you will want to read the rest of the article for a more comprehensive review.
About the Company Financial Wellness Class Chapter 4 Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best known feature. They also provide other services that will help you be more financially secure.
It all begins with requesting a free savings estimate on the internet. The service is completely confidential, and they won’t be doing a credit check. With this estimate of savings you’ll be able to discover more about other options in your journey towards debt-free.
The savings estimate, which was mentioned earlier, provides you with an insight into your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating the process of credit arbitration should you choose to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to take care of all your creditors’ calls. They will also be the ones that will determine conditions of the payment based on the status of your financial situation. Depending on which works most effectively your situation, the payment could be a lump-sum settlement or a payment plan.
Moreover they will also be working with creditors so that you can have better rates as you transfer money into your savings account, which is then processed to pay off creditors. Their plans can help you pay off the debt in 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 to track your development.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. To be eligible, you’ll need to be:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing 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 lines of credit. They are also able to settle any outstanding amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating on tax owed and IRS debt. However, you won’t get support for most claims, government loans, 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 can also assist you in identifying creditor violations so that you can have cash settlements, if possible. Certain violations could result in having your debts also dismissed.
CuraDebt lets you settle debt with less than the amount you own. Additionally, you can have questions answered during a free consultation with their debt advisor.
The most appealing aspect of the program is that you’ll only be charged after your debt has been settled. All you need to sign up for some of their programs and you’ll have the ability 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 collect all the paperwork you’ll need for tax returns.
With this program, you will be able to solve various tax issues like wage garnishments and tax penalties, personal and business taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges either. They only use flat-fee pricing that is based on the amount you’ll need to settle.
They have different solutions when it comes to settling the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t cater to all types of settlement. CuraDebt only focuses on unsecured debt. They aren’t able to help you if the credit or loan is tied to a physical item.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
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 offered across all 50 states, if you owe money to the IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you could even settle them for less than what you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students in negotiating any student loans that they are owed.
Personal Loan
Payday loans and personal loans also qualify to be eligible for debt relief programs. You may also be eligible the program if you have other unsecure credit lines that you have obtained from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, or private label credit cards, CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how the company has priced its services. They do not charge an upfront cost. You’ll only pay once you have paid off all of your outstanding debts.
Additionally, they don’t have high-cost fees as well. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of business can cost anywhere between 15% and 25 percent.
Moreover, clients can expect to settle their debt from 2 to 4 years. However, this also varies according to the amount you can save up per month.
Additionally, they claim that you can save up to 30% if you include their fees in your equation.
However, this statement will differ based on the situation. Some customers have even talked about saving 50% to up to 80%.
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Advantages to using CuraDebt
Now that you have an idea of the benefits CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. In addition they charge only an amount of 20%, while many companies charge 25 percent.
Then, if you’re done by the program for debt relief you could also sign up for their credit restoration program.
It’s a fantastic method to improve your credit score without going in debt again. The program is however designed in a different way for each individual, depending on your situation.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any violations by creditors with the assistance of their own experts.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using the credit card you use. Therefore, if you’re trying increase your credit score, it could delay you from working on your debt.
CureDebt does not offer a mobile application. Although they have a website for clients however, it appears aged and simple. It’s not very intuitive and could be challenging to navigate.
Furthermore, they are not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on these kinds of services. In addition, their 20% service fee is less expensive than the majority of businesses that charge the 25% cost. There are no upfront payments and you’ll only have to pay when the debt is settled.
Although they’ll give you an account that allows you to track your progress but their website isn’t easy to navigate. CuraDebt isn’t even an app, which will make it easier to look at your progression.
But, they do have a competent support staff, and you can reach them, not only via emails but also via phone or submitting an electronic ticket. Financial Wellness Class Chapter 4 Tax Relief
If the credit card is a major issue right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the services they offer are available in your state.
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FAQ Financial Wellness Class Chapter 4 Tax Relief
How long will it take to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the stipulated settlement.
Can CuraDebt assist with state tax problems?
Sure, CuraDebt offers a program for tax relief to help you with problems such as late payroll tax issues and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll have to keep in constant contact with the team and pay the required payments to lower the amount of debt you have over time.
