Are you experiencing debt that has been piling up lately? Are you exhausted from trying different financial advice and strategies but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, your best way is to approach experts who can assist to resolve this issue.
CuraDebt is one of the most frequently contacted companies. A lot of people are asking if they can help you or put you into more debt.
According to their customers, they can help you control 80% of your debt , so you can take few things off of your mind.
However, for certain people the claims seem too good to be true.
You might be looking for any solution that could help you resolve your debt. If that’s the situation, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth study of how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin 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. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Homeowner Tax Relief Act Act 72 Of 2021
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has since become a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most popular feature. They also provide other services that will aid you in becoming more financially stable.
First of all, it begins by requesting a free online savings estimate. It is a completely private service and they will not be conducting a credit screening. With this estimate of savings you’ll discover more about other options in your journey towards debt-free.
This estimate of savings, as mentioned previously, offers you an insight into your options, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to help you with credit arbitration if you decide to join. Some financial advisors can help you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt can be the one to handle all of your creditors’ calls. They will also be the ones who will negotiate the terms of your payment in accordance with the state of your finances. Depending on which works most effectively your situation, the payment can be either a lump sum settlement or an installment plan.
Moreover, they will be working with creditors to ensure that you enjoy better rates when you make deposits to your savings account, which in turn, will be processed to pay off creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they’ll allow you access to your account information 24 hours a day. All you need to do is log in to CuraDebts’ client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll have to meet the following requirements:
- 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
As their name suggests, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on behalf of you for all kinds of debt. These include medical bills, personal loans credit cards, and loans. They can also be approached to pay off any remaining balance on business debt and collections or repossessions.
They can even help negotiate for back taxes and IRS debt. But, you won’t receive assistance for the majority of your lawsuits, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they can assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation so that you can have cash settlements, should it be possible. Certain violations could lead to having your debts dismissed as well.
CuraDebt also allows you to repay debt for less than the sum you have. They also allow you to have questions answered during a free consult with their debt counselor.
The greatest benefit of their plan is that you only pay the fees after your debt has been settled. All you have to sign up for one of their plans and you’ll be able 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 documentation They will also gather all the necessary paperwork for tax returns.
By using this program, you will be able to deal with the various types of tax problems like garnishments on wages, tax penalties, personal and taxation for business and back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices that is based on the amount you’ll need to settle.
They have different solutions in paying off taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts can they help you with?
Although they specialize in debt settlement, it is not their specialty but they aren’t able to cater to all types in debt resolution. CuraDebt concentrates on unsecured debt. They can’t assist you if your credit or loan is tied to an item that is physical.
If, however, you are in one of the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able pay off tax debts that were due to be paid without any issues. Additionally, this service is offered to all 50 states in the event that you owe money in arrears to IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students negotiate the student loans they are owed.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You may also be eligible the program if you have other unsecure credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, or private label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt is how they’ve priced their service. They don’t charge upfront fees. The only time you pay is when you have paid off all of your outstanding debts.
Also, they do not charge high fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt you settled through them.
In general, this type of industry charges between 15 and 25 percent.
Moreover, clients can expect to pay off their debts in two to four years. However, this also varies in relation to the amount you can save up per month.
Also, they claim that you could save up to 30% by incorporating their costs into your calculations.
But this claim will also depend on your situation. Some customers even claimed to save 50 to 80percent.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
In the beginning, CuraDebt is only charged when you’ve paid off your debt. Additionally, they only charge a 20% fee while the majority of companies charge 25%.
Next, if you’re done with the debt settlement program you could also sign up for their credit restoration program.
It’s a fantastic method to improve your credit score without having to go back into debt. However, the program lasts in a different way for each individual according to your personal situation.
Finally, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, your debt won’t inflate over time. They’ll also investigate any creditor violations with the help of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using the credit card you use. If you’re trying to improve your credit score, it may cause you to delay working on your debt.
CureDebt also doesn’t have a mobile app. While they have a website for clients but it’s aged and simple. It’s not particularly intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a good program that will allow you to settle your debt without spending more on those types of services. Additionally their 20% service charge is less expensive than the majority of companies that offer the 25% cost. There aren’t any upfront fees and you’ll only be required to pay once your debt is finally settled.
Although they’ll give you an account to see your progress however, their website isn’t user-friendly. CuraDebt also doesn’t have an app yet, which will make it easier to monitor your progress.
But, they do have a good support team and can be reached them not just via email but also via phone or sending an e-ticket. Homeowner Tax Relief Act Act 72 Of 2021
If your debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the programs they provide are in your area.
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FAQ Homeowner Tax Relief Act Act 72 Of 2021
How long does it take to finish the program?
The program typically takes 24 to 48 months, dependent on the size of your debt and the stipulated settlement.
Can CuraDebt aid with tax problems in the state?
It is true that CuraDebt provides tax relief programs that will aid you in dealing with problems like delinquent tax and wage garnishments.
What do I need to do after joining the program?
You’ll need to constantly communicate with the team and make the necessary payments to pay down the amount of debt you have over time.
