Has your debt increased lately? Are you burnt out from trying other financial tips and advice but still have unsolved issues?
Maybe you’re here because been through every thing.
In most cases, the best way is to approach professionals that can help you settle this issue.
CuraDebt is one of the most asked companies. Many people have been inquiring whether they can help you or put you in more debt.
According to their clients they can help you control 80percent of your debts so that you are able to take couple of things off your plate.
However, for certain people they believe these claims are too good to be true.
You might be looking for any solution that could aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of how CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, go to this video in case you would prefer to watch 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 will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Hurricane Disaster Relief On My Tax Refund
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is the most well-known feature. But they offer other services that can assist you in becoming financially stable.
It all begins by requesting a free online savings estimate. It is a completely private service and they will not be conducting a credit screening. By using this estimate of savings you’ll discover more about alternatives to be debt-free.
This estimate of savings, as mentioned before, gives you the opportunity to consider your choices regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement program is completed, CuraDebt will be the agency to answer all of your creditors’ calls. They will also be the ones that will negotiate conditions of the settlement in accordance with the state of your financial situation. Depending on which works best your situation, the payment could be a lump-sum settlement or a payment plan.
Furthermore they will be working with the lenders to help you enjoy better rates when you make deposits to your savings account, which in turn, will process to pay off the creditors. The plans they offer can help you settle the debt within 48 months.
Once you’ve signed up with them, they will give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. To be eligible, you’ll have to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What are they able to assist you?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with debt. They can negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans, credit cards and also loans. You can also approach them to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive assistance for the majority claims, 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 help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations to ensure that you receive cash settlements, should it be possible. Some violations can also result in having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. Additionally, you can have questions answered during a free consultation with their debt counsellor.
The greatest benefit of their plan is that you only pay the fees when your debt is paid off. All you need to sign up to one of their plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
By using this program, you’ll be able to solve various tax issues like garnishments on wages, tax penalties, personal and taxation for business as well as back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They only use flat-fee pricing and is dependent on the amount that you’ll need to settle.
They offer different options in settling your 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 kind of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t offer all kinds of debt settlement. CuraDebt only focuses on debt that is not secured. They won’t be able to help you if your credit or loan is tied to an item that is physical.
If you do have the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay your past-due tax debts without any problems. Additionally, this service is accessible to all 50 states in the event that you have a debt to the IRS. There are federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students negotiate any loans they owe.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards, CuraDebt will assist you in paying it off.
How much will it cost?
The best part about CuraDebt’s pricing is how the company has priced its services. They do not charge an upfront cost. The only time you pay is when you have paid off all of your debts.
Also, they don’t have high-cost fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
In the average, this kind of industry can charge anywhere between 15% and 25%.
Moreover, clients can expect to pay off their debts in 2 to 4 years. But, it also differs according to the amount you are able to save each month.
Additionally, they claim you can save up to 30% if you include their charges into your calculation.
But this claim will also vary, depending on the situation. Some clients even mentioned saving between 50% and 80%.
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Advantages to using CuraDebt
Once you’ve got 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 once you’ve paid off your debt. Additionally, they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done by the program for debt relief, you could enroll in their credit repair program.
It’s a fantastic option to rebuild your credit without having to go into debt again. However, the program runs in a different way for each individual, depending on your situation.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also look into any violations of creditor using their experts in-house.
The drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with . Therefore, if you’re trying build a better rating on your credit, this might set you back while you’re working on your credit card debt.
CureDebt also doesn’t have a mobile app. While they do have a website that clients can access, it looks outdated and basic. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not accredited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you resolve your debt without having to spend more on those types of services. Moreover their 20% service fee is cheaper than most companies that offer an additional 25% charge. There are no upfront payments, and you will only have to pay when the debt is settled.
While they’ll provide you with an account to see your progress however, their website isn’t user-friendly. CuraDebt does not have an app yet, which will make it easier to track your progress.
However, they have a good support team that you can contact them not just via email but also via phone or sending an e-ticket. Hurricane Disaster Relief On My Tax Refund
If the problem of debt is an problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Hurricane Disaster Relief On My Tax Refund
What is the time frame to complete the course?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs to aid you in dealing with problems such as delinquent payroll taxes and garnishments on wages.
What should I do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and pay the required payments to lower your debt over time.
