Has your debt been increasing lately? Are you exhausted from trying other financial advice and strategies but still have unsolved issues?
Maybe you’re here because tried every thing.
In most cases, the best way is to approach experts who can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of customers have asked if they can assist you or put you into more debt.
According to their clients they can assist you in managing 80percent of your debts so that you can take couple of things off your plate.
But for some people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth review of the way CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before starting the review, watch this video instead if you prefer to watch it.
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 review. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company How Does Curadebt Work
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. They also provide other services that will aid you in becoming more financially stable.
It all starts by requesting a no-cost online savings estimate. This service is very confidential and they will not conduct a credit inquiry. By using this estimate of savings, you will learn more about your other options in your journey towards debt-free.
The savings estimate, as we’ve mentioned earlier, provides you with the opportunity to consider your choices regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you in navigating the process of credit arbitration should you choose to join. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt can be the one to take care of all the calls from your creditors. They will also be the ones who will negotiate the terms of your payment depending on the condition of your financial situation. In determining which option is the best to you, this could be a lump-sum settlement or a payment plan.
Additionally, they will work with creditors so that you can have better rates as you transfer money into your savings account. This in turn, will process to pay creditors. Their programs can assist you to settle the debt within the period of 48 months.
After you’ve signed up with them, they’ll allow you access to your information 24/7. All you have to do is sign in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. To be eligible, you’ll need to be:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. They can help with medical bills, personal loans, credit cards as well as lines of credit. You can also approach them to pay off any remaining balance on business debt and collections or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you will not receive assistance with the majority of your lawsuits, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors so that you can have cash settlements, if they are possible. Certain violations could cause your debt to be dismissed as well.
CuraDebt lets you repay debt for less than the sum you have. You can also inquire about your debt during their no-cost consult 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 do is sign up with one of their plans and you’ll have the ability to settle each of 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.
With this program, you’ll be able to resolve the various types of tax problems such as garnishments on wages, tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices that is based on the amount you have to pay.
They offer different options in the settlement of the tax debt. 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 kinds of debts are they able to help with?
Although they specialize in debt settlement, it is not their forte however, they do not cater to all types in debt resolution. CuraDebt only focuses on loans that are not secured. They won’t be able to help you if your credit or loan is tied to a physical item.
However, if you have one of the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without difficulty. Additionally, this service is accessible to all 50 states in the event that you have a debt towards the IRS. There are tax experts from the federal government who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases you could even settle them for less than what you owe.
Private Student Loan
CuraDebt does not cater to federal student loans. However, they can assist private students in negotiating any student loans that they have to pay.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, 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 with them.
In general, this type of industry can charge anywhere from 15% to 25 percent.
In addition, customers can expect to settle their debts within two to four years. However, this also varies according to the amount you save per month.
Additionally, they claim you can save as much as 30% if you include their fees in your equation.
However, the claim may vary, depending on your situation. Some customers even claimed to save between 50% and 80%.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt offers, let’s explore the benefits that come with using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. In addition, they only charge an amount of 20%, while many companies charge 25%.
If you’re finished with the debt settlement program you could also sign up for their credit repair program.
It’s an excellent method to improve your credit without having to go into 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. So, your debt won’t increase as time passes. They’ll also investigate any violations by creditors using their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with . So if you’re trying to improve your rating on your credit, this could delay you from finishing your obligations.
CureDebt also doesn’t have a mobile app. Although they have a website that clients can access, it looks old and mundane. It’s not particularly intuitive and could be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more for these types of services. In addition, their 20% service cost is less expensive than the majority of firms that charge a 25% fee. There aren’t any upfront fees and you’ll only have to pay when the debt is settled.
While they’ll provide you with an account that allows you to track your progress however, their website isn’t simple to navigate. CuraDebt isn’t even an app, which could make it easier for you to look at your progression.
However, they have a competent support staff that you can contact them, not only via emails but also via phone or sending an electronic ticket. How Does Curadebt Work
If the problem of debt is an problem right now, we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the programs that they provide are offered in your state.
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FAQ How Does Curadebt Work
What is the time frame to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt has a tax relief program to assist you with issues such as late payroll tax issues and garnishments on wages.
What do I need to do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to pay down your debt over time.
