Are you experiencing debt that has been increasing lately? Are you tired of trying other financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve tried every thing.
In the majority of cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the most frequently contacted companies. Many people are asking if they are able to help or put you in more debt.
According to their clients they can assist you in managing 80% of your debt , so you can finally take a couple of w
orries off your mind.
For some the claims seem too good to be true.
If you’re looking for anything that can help you resolve your debt. If that’s the case, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can solve for you.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can check out this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you will want to read the rest of our article for a more comprehensive review.
About the Company How To Find Out If You Are Receiving Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. They also provide other services that can assist you in becoming financially stable.
The process begins with requesting a free savings estimate online. It is a completely private service and won’t be doing a credit check. With this savings estimate you’ll learn more about your options towards debt-free.
This estimate of savings, which was mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re planning to continue 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 sign up. Some financial advisors can help you on your path to debt-free living.
Following the debt settlement program, CuraDebt can be the agency to take care of all the calls from your creditors. They’ll also be the ones that will determine conditions of the settlement depending on the condition of your financial situation. Depending on which works best for you, it can be a lump-sum settlement or the option of a payment plan.
Moreover they will be working with lenders to help you get better rates when you make deposits to your savings account. This in turn, will process to pay off the creditors. The plans they offer can help you settle the debt within the period of 48 months.
After you’ve registered with them, they’ll give you access to your account information 24 hours a day. All you have to do is login to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll need to be:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they help you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf to settle all kinds of debt. These include personal loans, medical bills credit cards and also lines of credit. They can also be approached to help settle any remaining balance of business debt collection, repossessions, or collections.
They can even help negotiate with back taxes as well as IRS debt. However, you won’t get assistance with the majority of your lawsuits, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations may lead to having your debts also dismissed.
CuraDebt can also help you repay debt for less than the amount you have. Additionally, you can have questions answered during a free meeting with their debt counsellor.
The greatest benefit of their program is that you will only be charged after your debt has been settled. All you need to sign up for some of their programs and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they collect all of your financial documentation They will also gather all the necessary paperwork for tax returns.
By using this program, you will be able to solve various tax issues like garnishments on wages as well as tax penalties for personal and business taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges either. They use only flat-fee pricing, which depends on the amount that you’ll have to pay.
There are a variety of options when it comes to paying off the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kinds of debts can they help you with?
Although debt settlement is their specialty, they don’t cater to all types in debt resolution. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if your credit or loan is tied to an item that is physical.
If you do have the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without any issues. Furthermore, this service is accessible to all 50 states if you owe money towards the IRS. There are tax experts from the federal government that can help you resolve these types of issues.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students negotiate any loans they owe.
Personal Loan
Personal and payday loans also qualify for the debt settlement program. You may also be eligible of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
Also, they don’t charge high fees as well. On average, you’ll have to pay between 20 and 20% of the debt you settled with them.
On average, this type of industry charges from 15% to 25 percentage.
In addition, customers can expect to settle their debts within between 2 and 4 years. This varies in relation to the amount you can save up per month.
They also claim you can save up to 30% if you include their charges into your calculation.
However, this statement will depend on the situation. Some clients even mentioned saving 50 to up to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of what CuraDebt can provide, let’s look into the advantages of using CuraDebt.
In the beginning, CuraDebt will only charge you once you’ve paid off your debt. Additionally they only charge an amount of 20%, while many companies charge 25%.
Then, if you’re done in the process of debt resolution, you could enroll in their credit repair program.
It’s an excellent option to rebuild your credit without going into debt again. The program is however designed differently for each person according to your personal situation.
In the end, CureDebt looks into your debt so that they can assist in settlements and negotiations. This means your debt won’t increase as time passes. They’ll also be looking into any creditor violations using their own experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with . If you’re trying to build a better credit score, it may set you back while you’re working on your obligations.
CureDebt does not have a mobile app. While they do have a client website however, it appears outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not accredited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on those types of services. Moreover, their 20% service fee is cheaper than most businesses that charge the 25% cost. There are no upfront payments and you’ll 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 simple to navigate. CuraDebt isn’t even an app, which could make it easier for you to track your progression.
They do have a great support team that you can contact them not only through emails but also by phone or submitting an electronic ticket. How To Find Out If You Are Receiving Tax Relief
If the credit card is a major problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ How To Find Out If You Are Receiving Tax Relief
What is the time frame to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt as well as your stipulated settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs that can aid you in dealing with problems such as late payroll tax issues and garnishments of wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with your team members and pay the required payments to reduce the amount of debt you have over time.
