Has your debt been increasing lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried every thing.
In most cases, the most effective approach is to talk to experts who can assist to resolve this issue.
CuraDebt is one of the most asked companies. Many people are asking if they are able to help or help you get into more debt.
According to their clients they can help you control the majority of your debt so that you can take couple of things off your shoulders.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for any solution that could help you resolve your debt. If that’s the scenario, CuraDebt will mostly be recommended by people. We’ll take a deeper study of how CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its benefits and drawbacks.
Before you begin the review, watch this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Is Tax Debt Relief Real
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. They also provide other services that will assist you in becoming financially stable.
It all begins with requesting a free savings estimate on the internet. The service is completely confidential and they will not conduct a credit inquiry. By using this estimate of savings you’ll discover more about options to debt-free.
The savings estimate, which was mentioned previously, offers you an idea of your choices 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 help you with credit arbitration if you decide to sign up. Certain financial advisors can assist you with your debt-free journey.
Following the debt settlement program is completed, CuraDebt will be the one to handle all of your creditor’s calls. They will be the ones who will negotiate what you will pay for your payment based on the status of your financial situation. In determining which option is the best for you, it can either be a lump sum settlement or the option of a payment plan.
Moreover they will also be working with the 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 the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts the client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to be:
- 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
Like their name implies, CuraDebt can help you deal with your debt. They can negotiate settlements on your behalf to settle most types of debt. These include medical bills, personal loans credit cards, and also loans. They are also able to pay off any remaining balance of business debt, 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 of your lawsuits, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the contrary, they’ll assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations in order to get cash settlements, should it be possible. Some violations can also result in having your debts dismissed as well.
CuraDebt also allows you to settle debt with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consult with their debt counselor.
The most appealing aspect of their plan is that you’ll only pay the fees after your debt has been settled. All you need to sign up for any of the plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
With this program, you will be able to deal with various tax issues such as wage garnishments, tax penalties, personal and corporate taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges also. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They offer different options in 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 types of debt are they able to help with?
Although debt settlement is their specialty, they don’t cater to all types of settlement. CuraDebt only focuses on debt that is not secured. They can’t help you if your debt or loan is tied to an actual item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off your past-due tax debts without any problems. Furthermore, this service is accessible to all 50 states in the event that you owe money in arrears to IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
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 are owed.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students negotiate any loans they are owed.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards and private-label credit cards CuraDebt can help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is how they’ve priced their services. They do not charge an upfront cost. Only pay when you’ve paid each of your debts.
Also, they don’t charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of business can cost anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debts within two to four years. But, it also differs in relation to the amount you save per month.
Also, they claim that you could save as much as 30% by incorporating their fees in your equation.
However, the claim may depend on the situation. Some clients even mentioned saving 50% to up to 80%.
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The benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can offer you let’s look into the advantages of using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore, they only charge 20% of the cost, whereas the majority of companies charge 25 percent.
Next, if you’re done by the program for debt relief you can also sign up for their credit restoration program.
It’s a fantastic option to rebuild your credit score without having to go back into debt. The program is however designed differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also look into any violations by creditors using their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop making payments using your credit card. Therefore, if you’re trying build a better credit score, it could delay you from getting rid of your debt.
CureDebt doesn’t even have a mobile app available. While they do have a client website but it’s aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more for these types of services. Additionally their 20% service cost is lower than many businesses that charge the 25% cost. There is no upfront payment, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account that allows you to track your progress but their website isn’t simple to navigate. CuraDebt also doesn’t have an app, which would make it easier to track your performance.
However, they have a competent support staff and can be reached them, not only via emails but also via phone or making an electronic ticket. Is Tax Debt Relief Real
If the credit card is a major issue right now, we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Is Tax Debt Relief Real
How long does it take to complete the course?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt provides tax relief programs that will help you with problems such as late payroll tax 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 lower the amount of debt you have over time.
