Has your debt been piling up lately? Are you tired of trying various financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, your best way is to approach professionals that can help you resolve the 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 customers, they can help you control the majority of your debt so that you can take couple of w
orries off your plate.
For some, these claims are just too good to be true.
You might be looking for something that will aid you in settling your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of how CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin the review, you can go to this video if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to watch 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 of CuraDebt.
About the Company Government Programs For Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become an active part of 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 imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. They also provide additional services to assist you in becoming financially secure.
It all begins by requesting a free online savings estimate. It is a completely private service and won’t be doing a credit check. With this savings estimate you’ll be able to learn more about your options to be debt-free.
Savings estimates, as mentioned earlier, provides you with an insight into your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you in navigating credit arbitration if you decide to join. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt is the agency to handle all of your creditors’ calls. They’ll be the ones who negotiate the terms of your settlement in accordance with the state of your financial situation. Depending on which works best for you, it can be a lump-sum settlement or an installment plan.
Additionally, they will work with creditors so that you can get better rates when you make deposits to your savings account. This, in turn, will process to pay back the creditors. Their programs can assist you to pay off the debt in the period of 48 months.
Once you’ve signed up with them, they will allow you access to your information 24/7. All you need to do is login to CuraDebts the client portal to track 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 need to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. They can help with medical bills, personal loans, credit cards as well as lines of credit. They can also be approached to help settle any remaining balance on business debt, collections, or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. However, you will not receive assistance with the majority claims, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying debtors who are in violation in order to get cash settlements, should it be possible. Certain violations may cause your debt to be removed as well.
CuraDebt lets you pay off debts with less than the sum you have. Additionally, you can have questions answered during a free consultation with their debt advisor.
The best part about the program is that you’ll only be charged when your debt is paid off. All you need to do is sign up with one of their plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. After they have gathered all your financial records, they will also collect all the necessary paperwork for tax returns.
Through this program, you should be able to deal with the various types of tax problems such as wage garnishments and tax penalties, personal and business taxes, 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 for settling taxes. 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 can they help you with?
Although debt settlement is their forte, they don’t offer all kinds in debt resolution. CuraDebt only focuses on debt that is not secured. They won’t be able to assist you if your debt or loan is tied to an actual item.
However, if you have one of the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without difficulty. Moreover, this type of service is available across all 50 states, if you have a debt in arrears to IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students in negotiating any loans they are owed.
Personal Loan
Personal 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 got from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards and private-label credit cards CuraDebt can help you pay it off.
How much will it cost?
The greatest thing about CuraDebt’s pricing is how the company has priced its services. They do not charge an upfront cost. Only pay when you have paid off all of your debts.
They also don’t charge high fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
On average, this type of industry charges between 15 and 25 percent.
In addition, customers can expect to pay off their debts in 2 to 4 years. This varies according to the amount you are able to save each month.
They also claim that you could save as much as 30% by incorporating their costs into your calculations.
However, the claim may differ based on your situation. Some customers even claimed to save 50% to up to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of what CuraDebt offers, let’s look into the advantages from using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. Furthermore they only charge 20% of the cost, whereas most companies charge you 25 percent.
If you’re finished with the debt settlement program you may enroll in their credit restoration program.
It’s an excellent method to improve your credit score without having to go back into debt. However, the program lasts differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also look into any violations of creditor with the help of their own experts.
Drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements usually require that you stop making payments using your credit card. Therefore, if you’re trying improve your standing on credit scores, you might delay you from finishing your credit card debt.
CureDebt also doesn’t have a mobile app available. While they have a website for clients, it looks outdated and basic. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on those types of services. Moreover the 20% service charge is less expensive than the majority of firms that charge the 25% cost. There are no upfront payments, and you will only have to pay the fee when the debt is settled.
Although they’ll give you an account to see your progress, their website is not easy to navigate. CuraDebt isn’t even an app yet, which would make it easier to monitor your progression.
However, they have a great support team, and you can reach them not only through emails but also via phone or making an e-ticket. Government Programs For Tax Relief
If the credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services they offer are available in your area.
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FAQ Government Programs For Tax Relief
What is the time frame to complete the course?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt provides tax relief programs that will aid you in dealing with problems such as delinquent payroll taxes and garnishments on wages.
What should I do once I’m in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to pay down your debt over time.
