Have your debts been piling up lately? Are you burnt out from trying various financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, the most effective approach is to talk to experts who can help you settle this issue.
CuraDebt is one of the most asked companies. Many people are asking if they are able to help or put you in more debt.
According to their clients they can assist you in managing 80% of your debt so that you can take couple of w
orries off your plate.
However, for certain people, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll take a deeper look at the way CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before beginning the review, go to this video for a more relaxing way watching 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 overview. After, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Is There Any Relief For People Who Owe Pa Sales Tax
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. They also provide additional services to aid you in becoming more financially secure.
The process begins by requesting a free online savings estimate. The service is completely confidential and they will not be doing a credit check. With this estimate of savings, you will be able to learn more about the alternatives to be debt-free.
This estimate of savings, as mentioned before, gives you an idea of your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with credit arbitration in the event that you decide to enroll. Some financial advisors can help you in your debt-free journey.
After your debt settlement plan, CuraDebt is the one to answer all of the calls from your creditors. They’ll also be the ones who will determine conditions of the settlement in accordance with the state of your finances. Depending on which works most effectively your situation, the payment could either be a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with the creditors so that you can get better rates when you deposit money to your savings account. This, is then processed to pay off creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your data 24/7. All you have to do is login to CuraDebts 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 pass their requirements first. To be eligible, you’ll have to be:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are some of the ways CuraDebt can aid 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 most types of debt. This includes personal loans, medical bills credit cards, as well as lines of credit. You can also approach them to settle any outstanding amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating with back taxes and IRS debt. But, you won’t receive assistance with the majority cases, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with 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 in order to get cash settlements, if possible. Some violations can also result in having your debts also dismissed.
CuraDebt can also help you pay off debts with less than the amount you own. They also allow you to ask questions during their free meeting with their debt counselor.
The most appealing aspect of their plan is that you only be charged when your debt is paid off. All you have to sign up to any of the plans and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial documentation They will also gather all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve different types of taxes like wage garnishments as well as tax penalties for personal and taxation for business as well as back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges also. They only offer flat-fee prices, which depends on the amount you have to pay.
There are a variety of options in 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 kinds of debts are they able to help with?
Although they specialize in debt settlement, it is not their specialization however, they do not offer all kinds in debt resolution. CuraDebt only focuses on loans that are 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 one of the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able to settle taxes that are due without difficulty. Furthermore, this service is accessible to all 50 states if you have a debt towards the IRS. There are tax experts from the federal government to assist you with the issues.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In certain cases you might even be able to pay them less than the amount you are owed.
Private Student Loan
CuraDebt does not cater to Federal student loan. However, they can assist private students with negotiating the student loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify to be eligible for debt relief programs. You can also avail of the program if you also have other unsecured credit lines that you have obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is the way the company has priced its services. They don’t charge upfront fees. You’ll only pay once you’ve paid each of your debts.
Additionally, they don’t charge high costs either. On average, you’ll have to pay between 20 and 20% of the debt you settled through them.
In general, this type of business can cost anywhere between 15% and 25%.
Moreover, clients can expect to settle their debt from two to four years. However, this also varies according to the amount you are able to save each month.
They also claim that you could save as much as 30% when you factor in their fees in your equation.
However, this statement will vary, depending on your situation. Some clients even mentioned saving between 50% and 80%.
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Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. Furthermore they only charge a 20% fee while most companies charge you 25 percent.
Next, if you’re done in the process of debt resolution you could enroll in their credit restoration program.
It’s an excellent way to restore your credit score without having to go in debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also be looking into any violations by creditors with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to cease making payments with your credit card. If you’re trying to improve your rating on your credit, this might set you back while you’re getting rid of your credit card debt.
CureDebt also doesn’t offer a mobile application. While they do have a website that clients can access, it looks aged and simple. It’s not very intuitive, and it can be difficult to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to pay off your debts without spending more on these kinds of services. Additionally, their 20% service cost is lower than many firms that charge an additional 25% charge. There are no upfront payments and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account that allows you to track 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 great support team and can be reached them, not only via emails but also by phone or sending an electronic ticket. Is There Any Relief For People Who Owe Pa Sales Tax
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services they offer are available in your state.
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FAQ Is There Any Relief For People Who Owe Pa Sales Tax
What is the time frame to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt and the agreed settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt offers a program for tax relief to help you with problems such as late payroll taxes and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll have to keep in constant contact with your team members and pay the required payments to pay down the amount of debt you have over time.
