Are you experiencing debt that has been increasing lately? Are you tired of trying various financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve already tried everything.
In most cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the most asked companies. A lot of customers have asked if they can assist 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 they believe these claims are too good to be true.
If you’re looking for something that will assist you in paying off your debt. In this case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at how CuraDebt operates and what issues it can solve for you.
In addition, prior to our conclusion, we’ll also look into its advantages and drawbacks.
Before starting the review, watch this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Hurricane Harvey Irs Tax Relief Documents
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. They also provide other services that will help you be more financially stable.
The process begins by requesting a free savings estimate on the internet. The service is completely confidential and they will not be doing a credit check. With this estimate of savings you’ll be able to be able to learn more about the options towards debt-free.
This estimate of savings, as mentioned before, gives you the opportunity to consider your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration if you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt will be the company to take care of all the calls from your creditors. They’ll be the ones who will negotiate conditions of the repayment in accordance with the state of your financial situation. In determining which option is the most effectively for you, it could be a lump-sum settlement or the option of a payment plan.
Moreover they will also work with creditors to ensure that you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay off creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve registered 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 so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll need to meet the following requirements:
- Minimum 21 years old
- Earn a reliable 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 your debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include personal loans, medical bills credit cards, as well as lines of credit. They are also able to help settle any remaining balance on business debt and collections or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. However, you will not receive assistance with the majority cases, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the other hand, they will 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 debtors who are in violation to ensure that you receive cash settlements, if possible. Some violations can also result in having your debts dismissed as well.
CuraDebt lets you repay debt for less than the amount you have. They also allow you to ask questions during their free consult with their debt advisor.
The best part about their program is that you only have to pay for the charges once your debt is settled. All you have to sign up to some of their programs, 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. After they have gathered all your financial documents, they will also collect all the necessary paperwork to file tax returns.
With this program, you will be able to deal with various tax issues such as wage garnishments and tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices, which depends on the amount you’ll must settle.
They offer different options in the settlement of taxes. 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 types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They can’t help you if the debt or loan is tied to a physical item.
If, however, you are in the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without difficulty. Furthermore, this service is offered to all 50 states if you have a debt in arrears to IRS. There are federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In certain cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students negotiate any loans they are owed.
Personal Loan
Personal loans and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you’ve paid each of your debts.
They also don’t have high-cost charges either. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15 and 25%.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. However, this also varies depending on the amount that you can save up per month.
Also, they claim that you could save as much as 30% if you include their fees in your equation.
But this claim will also vary, depending on your specific situation. Some customers have even talked about saving 50% to 80percent.
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Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt can offer you Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt only charges you after you’ve settled your debt. In addition they charge only an amount of 20%, while many companies charge 25%.
Next, if you’re done with the debt settlement program you can also sign up for their credit restoration program.
It’s a fantastic method to improve your credit score without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any creditor violations using their experts in-house.
Drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with your credit card. If you’re trying to increase your rating on your credit, this might delay you from finishing your obligations.
CureDebt doesn’t even have a mobile app. While they do have a client website but it’s outdated and basic. It’s not very intuitive and could be difficult to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more on those types of services. Additionally the 20% service charge is lower than many firms that charge the 25% cost. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app that will make it easier to look at your performance.
However, they have a great support team and can be reached them not just via email but by phone or by submitting an electronic ticket. Hurricane Harvey Irs Tax Relief Documents
If the problem of debt is an problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the programs they provide are in your state.
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FAQ Hurricane Harvey Irs Tax Relief Documents
What is the time frame to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt aid with tax problems in the state?
It is true that CuraDebt provides tax relief programs that will assist you with issues such as late payroll taxes and wage garnishments.
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 pay down your debt over time.
