Are you experiencing debt that has been increasing lately? Are you exhausted from trying different financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, the best option is to speak with experts who can assist you resolve the issue.
CuraDebt is among the companies that get the most inquiries. Many customers have asked if they can help you or put you in more debt.
According to their clients they can help you control 80% of your debt so that you are able to take couple of things off your mind.
But for some people the claims seem too good to be true.
If you’re looking for something that will assist you in paying off your debt. In that scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth review of the way CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before you begin the review, go to this video if you prefer watching 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’ll want to read the rest of our article for a more comprehensive review.
About the Company How To Apply For The Homestead Act Tax Relief Refunds
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
While it 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 known feature. But they offer other services that can assist you in becoming financially secure.
The process starts by requesting a no-cost online savings estimate. It is a completely private service, and they won’t be doing a credit check. With this savings estimate you’ll be able to learn more about the alternatives to debt-free.
This estimate of savings, as mentioned earlier, provides you with the opportunity to consider your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with the process of credit arbitration should you choose to enroll. Some financial advisors can help you on your path to debt-free living.
After your debt settlement plan, CuraDebt is the agency to handle all of your creditor’s calls. They’ll also be the ones who will determine what you will pay for your settlement based on the status of your finances. Depending on which works most effectively to you, this can be either a lump sum settlement or the option of a payment plan.
Additionally they will also work with creditors to ensure that you enjoy better rates when you make deposits to your savings account. This, is then processed to pay creditors. The plans they offer can help you get rid of debt in just two years.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you have to do is login to CuraDebts’ client portal to track your performance.
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can aid you.
As their name suggests, CuraDebt can help you deal your debt. They can negotiate settlements on your behalf for the majority of types of debt. This includes medical bills, personal loans credit cards and lines of credit. They are also able to pay off any remaining balance on business debt and collections or repossessions.
They can even help negotiate with back taxes as well as IRS debt. However, you will not receive support for most of your lawsuits, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they will assist you with laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations in order to get cash settlements, if possible. Some violations can also cause your debt to be also dismissed.
CuraDebt lets you settle debt with less than the amount you have. You can also ask questions during their free meeting with their debt advisor.
The greatest benefit of their plan is that you’ll only have to pay for the charges once your debt is settled. All you need to do is sign up with one of their plans and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial documents They will also gather all the paperwork you’ll need for tax returns.
With this program, you should be able to solve the various types of tax problems like garnishments on wages, tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax liens.
There aren’t hidden fees either. They use only flat-fee pricing, which depends on the amount you’ll must settle.
They offer different options when it comes to paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What types of debt can they help you with?
While debt settlement is their forte however, they do not provide all kinds of settlement. CuraDebt only focuses on debt that is not secured. They can’t help you if your loan or debt is linked to a physical item.
However, if you have one of the following kinds of debt, they will make arrangements for settlements.
With CuraDebt, you should be able to settle your past-due tax debts without any problems. Moreover, this type of service is accessible to all 50 states in the event that you have a debt to the IRS. There are tax experts from the federal government that can help you resolve the issues.
CuraDebt can also help resolve the medical bills. In some cases you could even settle the debt for less than you owe.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students negotiate any loans they have to pay.
Personal and payday loans are also eligible for the debt settlement program. You may also be eligible if you have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. Only pay when you have paid off all of your debts.
They also don’t charge high fees as well. In the average, you’ll need to pay as much as 20 percent of the debt that you settled through them.
In the average, this kind of industry charges between 15% and 25%.
In addition, customers can expect to settle their debt from between 2 and 4 years. However, this also varies according to the amount you are able to save each month.
Additionally, they claim that you could save up to 30% when you factor in their charges into your calculation.
But this claim will also vary, depending on the situation. Some customers even claimed to save 50% to 80%.
The benefits of using CuraDebt
Now that you have an understanding of the benefits CuraDebt offers, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. Additionally they only charge 20% of the cost, whereas most companies charge you 25%.
If you’re finished with the debt settlement program, you may enroll in their credit restoration program.
It’s a great option to rebuild the credit rating without having to go back into debt. However, the program runs different for every person, depending on your situation.
Finally, CureDebt looks into your credit to assist with settlements and negotiations. So, your debt won’t increase over time. They’ll also investigate any violations of creditor using their in-house experts.
The drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with the credit card you use. Therefore, if you’re trying improve your credit score, it could set you back while you’re finishing your debt.
CureDebt doesn’t even offer a mobile application. Although they have a client website, it looks old and mundane. It’s not very intuitive, and it can be challenging to navigate.
Furthermore, they are not credited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on these kinds of services. Moreover their 20% service fee is cheaper than most firms that charge a 25% fee. There are no upfront payments, and you will only have to pay when the debt is paid off.
While they’ll provide you with an account so that you can track your progress, their website is not easy to navigate. CuraDebt also doesn’t have an app that will make it easier to monitor your progress.
But, they do have a great support team and can be reached them, not only via emails but also via phone or making an e-ticket. How To Apply For The Homestead Act Tax Relief Refunds
If your credit card is a major problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re qualified and that the services they offer are available in your state.
FAQ How To Apply For The Homestead Act Tax Relief Refunds
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, depending on the amount of your debt and the agreed settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt offers a program for tax relief that can help you with problems such as delinquent payroll tax issues and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to pay down your debt over time.