Have your debts increased lately? Are you tired of trying various financial advice and tips but haven’t solved your problems?
Maybe you’re here because been through every thing.
In the majority of cases, your best option is to speak with experts who can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can assist you or put you into more debt.
According to their clients, they can help you manage the majority of your debt so that you can take couple of w
orries off your mind.
For some they believe these claims are too good to be true.
You might be looking for any solution that could assist you in paying off your debt. In that scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of how CuraDebt operates and what issues it can solve for you.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, go to this video for a more relaxing way watching 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 overview. Afterward, you will want to read the rest of our article for a more comprehensive review.
About the Company Harris Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is an active participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. But they offer other services that will assist you in becoming financially stable.
First of all, it starts by requesting a no-cost savings estimate online. It is a completely private service and they will not be conducting a credit screening. By using this estimate of savings you’ll discover more about options towards debt-free.
This estimate of savings, as mentioned before, gives you the opportunity to consider your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with credit arbitration in the event that you decide to join. Some financial advisors can help you with your debt-free journey.
After your debt settlement program is completed, CuraDebt can be the company to answer all of your creditor’s calls. They will also be the ones that will determine conditions of the repayment depending on the condition of your finances. In determining which option is the best your situation, the payment can be either a lump sum settlement or an installment plan.
Furthermore they will work with creditors so that you can have better rates as you transfer money into your savings account, which in turn, will be processed to pay back the creditors. Their plans can help you get rid of debt in just the period of 48 months.
After you’ve signed up with them, they’ll allow you access to your data 24/7. All you have to do is login 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. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on your behalf for most types of debt. This includes personal loans, medical bills, credit cards and also loans. They are also able to pay off any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. However, you won’t get support for most of your lawsuits, 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 in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations may result in having your debts removed as well.
CuraDebt can also help you settle debt with less than the amount you have. Additionally, you can ask questions during their free meeting with their debt counselor.
The best part about their program is that you only pay the fees after your debt has been settled. All you need to sign up to any of the plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial documents and tax documents, they’ll also collect all the paperwork you’ll need to file tax returns.
Through this program, you’ll be able to resolve various tax issues like garnishments on wages, tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing, which depends on the amount you’ll need to settle.
They offer different options for paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt are they able to help with?
While debt settlement is their specialization however, they do not cater to all types of settlement. CuraDebt concentrates on unsecured debt. They can’t help you if your debt or loan is tied to an item that is physical.
However, if you have the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without any problems. Additionally, this service is available to all 50 states in the event that you owe money to the IRS. There are federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some cases, you may even pay the debt for less than you owe.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students with negotiating any student loans that they owe.
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 got from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
What will it cost you?
The best part about CuraDebt is the way the company has priced its services. They don’t charge upfront fees. The only time you pay is when you have paid off all of your outstanding debts.
Also, they don’t charge high charges either. In the average, you’ll need to pay up to 20% of the debt you settled through them.
On average, this type of industry charges between 15% and 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs according to the amount you are able to save each month.
They also claim that you can save up to 30% if you include their costs into your calculations.
However, this statement will differ based on the situation. Some clients even mentioned saving 50% to up to 80%.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. In addition, they only charge an amount of 20%, while most companies charge you 25 percent.
Next, if you’re done with the debt settlement program, you may join their credit repair program.
It’s a great option to rebuild the credit rating without having to go in debt again. However, the program lasts differently for each person according to your personal situation.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. It means that your debt won’t inflate over time. They’ll also be looking into any violations by creditors using their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to cease making payments with your credit card. If you’re trying to build a better rating on your credit, this may set you back while you’re finishing your credit card debt.
CureDebt also doesn’t offer a mobile application. Although they have a website that clients can access however, it appears old and mundane. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to settle your debt without spending more on those types of services. In addition, their 20% service charge is lower than many firms that charge the 25% cost. There aren’t any upfront fees, and you will only have to pay when your debt is finally settled.
Although they’ll give you an account that allows you to track your progress, their website is not simple to navigate. CuraDebt also doesn’t have an app yet, which would make it easier to track your progress.
However, they have a competent support staff, and you can reach them not just via email but also by phone or submitting an electronic ticket. Harris Tax Relief
If credit card is a major problem, then we recommend CuraDebt’s service. Make sure you’re qualified and that the services they offer are available in your area.
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FAQ Harris Tax Relief
How long does it take to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that can assist you with issues 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 pay down your debt over time.
