Have your debts been piling up lately? Are you exhausted from trying various financial advice and tips but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, your best option is to speak with experts who can help you resolve the issue.
CuraDebt is among the most frequently contacted companies. Many customers have asked if they can assist you or put you in more debt.
According to their customers, they can help you manage 80% of your debt , so you can take couple of worries off your plate.
However, for certain people they believe these claims are too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. In that scenario, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of how CuraDebt is used and the problems it can help you solve.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can check out this video instead in case you would 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 Income Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has been an active part of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best well-known feature. But they offer other services that will aid you in becoming more financially stable.
It all begins with requesting a free savings estimate online. It is a completely private service and they will not conduct a credit inquiry. With this savings estimate you’ll be able to discover more about alternatives to debt-free.
The savings estimate, as mentioned earlier, provides you with an idea of 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 in navigating the process of credit arbitration should you choose to join. Financial advisors may be able to assist you with your debt-free journey.
Following the debt settlement program, CuraDebt is the one to answer all of the calls from your creditors. They’ll also be the ones who determine conditions of the payment based on the status of your finances. Depending on which works best for you, it can either be a lump sum settlement or the option of a payment plan.
Additionally they will work with creditors so that you can enjoy better rates when you transfer money into your savings account. This in turn, will be processed to pay back the creditors. Their plans can help you get rid of debt in just the period of 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 log in to CuraDebts’ client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the different ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They can negotiate settlements on behalf of you for most types of debt. They can help with medical bills, personal loans credit cards, as well as loans. You can also approach them to settle any outstanding balance of business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you will not receive assistance with the majority of your lawsuits, government loans as well as collateral and 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 debtors who are in violation in order to get cash settlements, if they are possible. Certain violations may result in having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the amount you have. They also allow you to inquire about your debt during their no-cost consultation with their debt counselor.
The best part about their program is that you’ll only be charged after your debt has been settled. All you have to do is sign up with one of their plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they’ve gathered all your financial documentation They will also gather all the necessary paperwork to file tax returns.
With this program, you’ll be able to solve the various types of tax problems like wage garnishments as well as tax penalties for personal and taxation for business, back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They use only flat-fee pricing that is based on the amount that you’ll must settle.
There are a variety of options for paying off the tax debt. 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 kind of debt can they help you with?
While debt settlement is their forte but they aren’t able to 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 loan or debt is linked to a physical item.
If you do have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able pay off taxes that are due without any issues. Moreover, this type of service is accessible to all 50 states in the event that you have a debt in arrears to IRS. There are tax experts from the federal government who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you could even settle the debt for less than you owe.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students negotiate any student loans that they have to pay.
Personal Loan
Personal loans 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 have obtained from an alternative 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 will help you pay it off.
What will it cost you?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your outstanding debts.
Additionally, they don’t charge high costs either. In the average, you’ll need to pay up to 20% of the debt you settled with them.
In general, this type of industry can charge anywhere between 15 and 25%.
In addition, customers can expect to pay off their debts in 2 to 4 years. But, it also differs in relation to the amount you are able to save each month.
Also, they claim that you could save as much as 30% by incorporating their fees in your equation.
However, the claim may differ based on the situation. Some clients even mentioned saving 50 to 80%.
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The benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. In addition they charge only 20% of the cost, whereas most companies charge you 25%.
If you’re finished with the debt settlement program you can also sign up for their credit restoration program.
It’s a great way to restore your credit without going into debt again. However, the program lasts differently for each person, depending on your situation.
Lastly, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also investigate any violations of creditor using their own experts.
The drawbacks of using CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to cease making payments with your credit card. So if you’re trying to build a better credit score, it may cause you to delay getting rid of your obligations.
CureDebt does not have a mobile app available. While they do have a website for clients but it’s outdated and basic. It’s not very intuitive and could be challenging to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more on these kinds of services. In addition the 20% service cost is less expensive than the majority of companies that offer a 25% fee. There is no upfront payment and you’ll only be required to pay once the debt is settled.
While they’ll provide you with an account to see your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which will make it easier to look at your progress. Income Tax Relief
However, they have a competent support staff, and you can reach them, not only via emails but also by phone or sending an e-ticket. Income Tax Relief
If your problem of debt is an problem, then we recommend CuraDebt’s service. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ Income Tax Relief
What is the time frame to complete the course?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt assist in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that will assist you with issues such as late payroll tax issues and garnishments on wages.
What do I need to do when I’m enrolled 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.
