Has your debt been increasing lately? Are you exhausted from trying different financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because already tried everything.
In the majority of cases, your best way is to approach experts who can assist you settle this issue.
CuraDebt is among the companies that get the most inquiries. Many people are asking if they are able to help or put you in more debt.
According to their customers, they can assist you in managing 80% of your debt , so you can take couple of things off your mind.
But for some people the claims seem 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 scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of how CuraDebt operates and what issues it could help solve.
Moreover, before we end our discussion, we’ll take a look at its benefits and drawbacks.
Before starting the review, go to this video if you prefer for it to be watched.
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 overview. After, you will want to read the rest of our article for a more comprehensive review.
About the Company How To Get Tax Relief In Virginia
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become 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 it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer other services that can help you be more financially stable.
First of all, it begins with requesting a free savings estimate on the internet. This service is very confidential and won’t be doing a credit check. With this savings estimate you’ll be able to learn more about your options to be debt-free.
Savings estimates, as mentioned earlier, provides you with the opportunity to consider your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement program is completed, CuraDebt will be the company to take care of all your creditors’ calls. They’ll also be the ones who determine what you will pay for your settlement based on the status of your financial situation. In determining which option is the best for you, it can be either a lump sum settlement or a payment plan.
Moreover they will be working with the creditors so that you can enjoy better rates when you deposit money to your savings account. This, in turn, will be processed to pay back the creditors. Their plans can help you pay off the debt in 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 the client portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. For eligibility, you’ll need to meet the following requirements:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans credit cards and line of credit. You can also approach them to pay off any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate on tax owed and IRS debt. However, you won’t get support for most cases, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, if they are possible. Some violations can also result in having your debts also dismissed.
CuraDebt lets you pay off debts with less than the sum you have. They also allow you to ask questions during their free consultation with their debt counsellor.
The most appealing aspect of their program is that you only be charged once your debt is settled. All you have to do is sign up with any of the plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial records, they will also collect all the documents you’ll require for tax returns.
With this program, you will be able to solve different types of taxes like wage garnishments and tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only offer flat-fee prices, which depends on the amount you have to pay.
They offer different options when it comes to settling the tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt are they able to help with?
Although they specialize in debt settlement, it is not their specialization, they don’t cater to all types of debt settlement. CuraDebt is only focused on unsecured debt. They won’t be able to assist you if your loan or debt is linked to a physical item.
However, if you have the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay taxes that are due without difficulty. Moreover, this type of service is available 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 these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances, you may even pay them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students negotiate the student loans 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 the program if you have other unsecure credit lines that you got from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. Only pay when you settle each of your debts.
Also, they don’t charge high fees as well. On average, you’ll have to pay up to 20 percent of the debt that you settled through them.
On average, this type of business can cost anywhere from 15% to 25%.
In addition, customers can expect to settle their debt from 2 to 4 years. However, this also varies in relation to the amount you are able to save each month.
They also claim that you can save up to 30% when you factor in their charges into your calculation.
But this claim will also differ based on your situation. Some clients even mentioned saving 50 to up to 80%.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, let’s explore the benefits from using CuraDebt.
First, CuraDebt will only charge you once you’ve paid off your debt. Additionally, they only charge a 20% fee while most companies charge you 25%.
If you’re finished with the debt settlement program you may enroll in their credit restoration program.
It’s an excellent option to rebuild your credit score without having to go into debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
Finally, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t inflate over time. They’ll also look into any creditor violations with the help of their own experts.
The drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with . So if you’re trying to increase your credit score, it could set you back while you’re working on your debt.
CureDebt does not have a mobile app available. Although they have a website that clients can access, it looks old and mundane. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on those types of services. Moreover their 20% service charge is lower than many companies that offer an additional 25% charge. There are no upfront payments and you’ll only have to pay when your debt is finally settled.
Although they’ll give you an account that allows you to track your progress however, their website isn’t user-friendly. CuraDebt does not have an app that would make it easier to track your progress.
They do have a good support team, and you can reach them not just via email but also via phone or sending an e-ticket. How To Get Tax Relief In Virginia
If the debt is a big problem right now, we recommend CuraDebt’s service. Be sure to be eligible and that the programs they provide are in your area.
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FAQ How To Get Tax Relief In Virginia
How long does it take to complete the program?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt aid with state tax problems?
Yes, CuraDebt offers a program for tax relief to assist you with issues like delinquent tax issues and garnishments on wages.
What should I do once I’m in the program?
You’ll have to keep in constant contact with the team and pay the required payments to lower the amount of debt you have over time.
