Has your debt been increasing lately? Are you burnt out from trying other financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried everything.
In the majority of cases, your most effective approach is to talk to professionals that can help to resolve this issue.
CuraDebt is among the companies that get the most inquiries. Many people have been inquiring whether they can help you or put you into more debt.
According to their clients, they can help you manage 80percent of your debt , so you are able to take couple of worries off your shoulders.
However, for certain people they believe these claims are too good to be true.
If you’re looking for any solution that could 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 the way CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before beginning the review, watch this video instead if you 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. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Innocent Spouse Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide other services that will assist you in becoming financially secure.
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 estimate of savings you’ll be able to learn more about your alternatives towards debt-free.
The savings estimate, as we’ve mentioned before, gives you an insight into your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you with credit arbitration in the event that you decide to sign up. Some financial advisors can help you in your debt-free journey.
Following your debt settlement plan, CuraDebt will be the one to handle all of your creditor’s calls. They’ll also be the ones that negotiate conditions of the settlement based on the status of your finances. In determining which option is the most effectively your situation, the payment could either be a lump sum settlement or a payment plan.
Additionally they will be working with the creditors to ensure that you get better rates when you make deposits to your savings account, which in turn, will process to pay the creditors. Their programs can assist you to pay off the debt in two years.
After you’ve registered with them, they will allow you access to your data 24/7. All you have to do is log in to CuraDebts the client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to satisfy their criteria first. To be eligible, you’ll need to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they help you?
Here are some of the ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. These include personal loans, medical bills, credit cards as well as line of credit. You can also approach them to settle any outstanding balance on business debt, collections, or repossessions.
They can even help negotiate for back taxes as well as IRS debt. However, you won’t get assistance for the majority claims, loans from the government as well as collateral and utility bills. They also don’t cover most 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 can also assist you in identifying the violations of creditors in order to get cash settlements, if possible. Certain violations may cause your debt to be also dismissed.
CuraDebt can also help you pay off debts with less than the sum you have. You can also inquire about your debt during their no-cost consultation with their debt counsellor.
The best part about the program is that you will only have to pay for the charges after your debt has been settled. All you have to do is sign up with one of their plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial documentation They will also gather all the paperwork you’ll need for tax returns.
With this program, you will be able to resolve different types of taxes like garnishments on wages, tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges neither are there hidden fees. They use only flat-fee pricing, which depends on the amount you’ll have to pay.
They offer different options when it comes to paying off taxes. 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 assist you with?
Although debt settlement is their specialization but they aren’t able to provide all kinds of settlement. CuraDebt only focuses on unsecured debt. They can’t assist you if your debt or loan is tied to a physical item.
If you do have the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Additionally, 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 these kinds of problems.
Medical Debt
CuraDebt can also help resolve your medical debt. In some instances you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students in negotiating any loans they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines that you have obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with 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 the way they’ve priced their services. They don’t charge an upfront fee. 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 through them.
On average, this type of industry can charge anywhere between 15% and 25 percent.
Additionally, customers can anticipate 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 differ based on the situation. Some customers have even talked about saving 50 to 80%.
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Benefits of using CuraDebt
Once you’ve got an understanding of what CuraDebt can provide, let’s look into the advantages from using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. Furthermore, they only charge 20% of the cost, whereas many companies charge 25 percent.
If you’re finished by the program for debt relief you can also sign up for their credit repair program.
It’s a great option to rebuild your credit without going back into debt. However, the program runs differently for each person according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any violations of creditor using their own experts.
Drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with your credit card. Therefore, if you’re trying build a better rating on your credit, this might delay you from finishing your debt.
CureDebt does not have a mobile app. While they do have a website for clients, it looks outdated and basic. It’s not particularly intuitive and could be challenging to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that will allow you to settle your debt without spending more on these kinds of services. Additionally their 20% service cost is cheaper than most companies that offer a 25% fee. 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 to see your progress however, their website isn’t simple to navigate. CuraDebt does not have an app that could make it easier for you to track your progress. Innocent Spouse Tax Relief
They do have a great support team that you can contact them, not only via emails but also via phone or sending an e-ticket. Innocent Spouse Tax Relief
If debt is a big issue right now, we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services they provide are in your area.
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FAQ Innocent Spouse Tax Relief
How long will it take to finish the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt assist with state tax problems?
It is true that CuraDebt provides tax relief programs that will aid you in dealing with problems such as late payroll 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 make the necessary payments to pay down your debt over time.
