Are you experiencing debt that has been piling up lately? Are you exhausted from trying other financial tips and advice but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is among the most asked companies. Many people have been inquiring whether they can assist you or help you get into more debt.
According to their clients they can assist you in managing 80percent of your debt , so you can take few things off of your shoulders.
For some they believe these claims are 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 how CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude, we’ll also look into its benefits and drawbacks.
Before starting the review, you can watch this video instead 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. Afterward, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Form 940 Tax Debt Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. But they offer other services that will aid you in becoming more financially secure.
It all begins with requesting a free savings estimate online. This service is very confidential and won’t be doing a credit check. With this savings estimate you’ll learn more about your other options in your journey to be debt-free.
The savings estimate, as mentioned earlier, provides you with an idea of 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 help you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
After your debt settlement program, CuraDebt is the company to answer all of the calls from your creditors. They’ll also be the ones who negotiate the terms of your repayment based on the status of your finances. Depending on which works best to you, this could be a lump-sum settlement or an installment plan.
Moreover they will also be working with creditors to ensure that you get better rates when you transfer money into your savings account. This, in turn, will be processed to pay creditors. The plans they offer can help you get rid of debt in just 48 months.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is log in to CuraDebts the client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans credit cards, as well as loans. You can also approach them to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating on tax owed and IRS debt. But, you won’t receive support for most of your lawsuits, loans from the government or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation in order to get cash settlements, if they are possible. Some violations can also lead to having your debts removed as well.
CuraDebt can also help you repay debt for less than the amount you have. You can also have questions answered during a free meeting with their debt counsellor.
The most appealing aspect of their plan is that you’ll only be charged after your debt has been settled. All you have to sign up to any of the plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with the tax liabilities you have. Once they’ve gathered all your financial documents, they will also collect all the paperwork you’ll need to file tax returns.
Through this program, you will be able to solve the various types of tax problems such as wage garnishments, tax penalties, personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges also. They only offer flat-fee prices and is dependent on the amount that you’ll need to settle.
They have different solutions when it comes to paying off the tax debt. 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 kind of debt can they assist you with?
While debt settlement is their forte but they aren’t able to offer all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They can’t help you if your debt or loan is tied to an actual item.
If you do have the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without difficulty. Furthermore, this service is available across all 50 states, if you owe money in arrears to IRS. They have federal tax experts 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 the debt for less than you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students negotiate the student loans they have to pay.
Personal Loan
Personal loans and payday loans are also eligible to be eligible for debt relief programs. You can also avail if you have other unsecured credit lines that you have obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The most appealing aspect of CuraDebt is how the company has priced its services. They do not charge an upfront cost. Only pay when you’ve paid each of your outstanding debts.
Also, they don’t charge high fees as well. On average, you’ll be required to pay between 20 and 20% of the debt you settled through them.
In the average, this kind of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to pay off their debts in two to four years. This varies in relation to the amount you are able to save each month.
They also claim you can save up to 30% by incorporating their costs into your calculations.
However, the claim may vary, depending on your specific situation. Some clients even mentioned saving 50 to 80%.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Additionally, they only charge a 20% fee while most companies charge you 25%.
Then, if you’re done by the program for debt relief you could join their credit repair program.
It’s a fantastic option to rebuild your credit score without having to go in debt again. The program is however designed different for every person according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also be looking into any creditor violations using their own experts.
The drawbacks of using CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to cease making payments with your credit card. Therefore, if you’re trying increase your rating on your credit, this could cause you to delay getting rid of your obligations.
CureDebt also doesn’t offer a mobile application. While they do have a website for clients, it looks old and mundane. It’s not very intuitive, and it can be challenging to navigate.
In addition, they’re not credited with an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more on those types of services. Moreover the 20% service fee is lower than many firms that charge a 25% fee. There is no upfront payment, and you will only have to pay when the debt is settled.
Although they’ll allow you to access an account to see your progress however, their website isn’t easy to navigate. CuraDebt isn’t even an app that could make it easier for you to track your progression.
They do have a competent support staff that you can contact them not just via email but also via phone or submitting an e-ticket. Form 940 Tax Debt Relief
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Be sure to be qualified and that the services that they provide are offered in your state.
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FAQ Form 940 Tax Debt Relief
How long will it take to complete the program?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt offers a program for tax relief to aid you in dealing with problems such as delinquent payroll tax and wage garnishments.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to lower the amount of debt you have over time.
