Has your debt been piling up lately? Are you exhausted from trying other financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the best option is to speak with professionals that can help you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people are asking if they can help you or put you in more debt.
According to their clients, they can assist you in managing 80% of your debt so that you are able to take couple of things off your plate.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for something that will help you resolve your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at how CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude, we’ll also look into its benefits and drawbacks.
Before you begin the review, go to this video in case you would prefer watching it.
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. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Is There Tax Relief For Senior Citizens In Lancaster County Virginia
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What can CuraDebt do?
Helping you settle your debt is the most known feature. However, they also offer additional services to assist you in becoming financially secure.
It all begins with requesting a free online savings estimate. This service is very confidential, and they won’t be doing a credit check. By using this estimate of savings, you will be able to learn more about the other options in your journey to debt-free.
This estimate of savings, as we’ve mentioned before, gives you an insight into your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration in the event that you decide to join. Financial advisors may be able to assist you with your debt-free journey.
After your debt settlement program, CuraDebt can be the agency to take care of all your creditor’s calls. They’ll be the ones who will negotiate conditions of the payment depending on the condition of your financial situation. In determining which option is the most effectively your situation, the payment could be either a lump sum settlement or a payment plan.
Furthermore they will also be working with creditors so that you can have better rates as you transfer money into your savings account. This, in turn, will process to pay creditors. Their plans can help you settle the debt within the period of 48 months.
After you’ve registered with them, they will allow you access to your information 24/7. 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 benefit from their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $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 your debt. They are able to negotiate settlements on your behalf for all kinds of debt. They can help with personal loans, medical bills, credit cards and line of credit. They are also able to pay off any remaining amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive assistance with the majority of your lawsuits, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll 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, should it be possible. Certain violations could lead to having your debts also dismissed.
CuraDebt can also help you pay off debts with less than the amount you have. Additionally, you can inquire about your debt during their no-cost consult with their debt advisor.
The greatest benefit of the program is that you will only pay the fees once your debt is settled. All you have to do is sign up with one of their plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
Through this program, you will be able to resolve different types of taxes such as wage garnishments as well as tax penalties for personal and taxation for business as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount that you’ll have to pay.
There are a variety of options in settling the tax debt. Here are 6 options:
- 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?
While debt settlement is their forte but they aren’t able to offer all kinds of settlement. CuraDebt only focuses on debt that is not secured. They can’t help you if your credit or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able to pay tax debts that were due to be paid without any issues. Moreover, this type of service is accessible to all 50 states if you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases 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 with negotiating any student loans that they owe.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines you obtained from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt can help you pay it off.
What will it cost you?
The best part about CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. Only pay when you settle each of your debts.
Additionally, they don’t charge high charges either. In the average, you’ll need to pay up to 20 percent of the debt that you settled through them.
On average, this type of business can cost anywhere from 15% to 25 percentage.
Additionally, customers can anticipate to pay off their debts in 2 to 4 years. However, this also varies depending on the amount that you save per month.
Also, they claim you can save up to 30% by incorporating their fees in your equation.
However, the claim may differ based on your specific situation. Some customers even claimed to save 50 to up to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of what CuraDebt can provide, Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt is only charged when you’ve paid off your debt. Furthermore they only charge an amount of 20%, while most companies charge you 25 percent.
If you’re finished in the process of debt resolution you may join their credit restoration program.
It’s a fantastic option to rebuild the credit rating without going into debt again. However, the program runs in a different way for each individual, depending on your situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also be looking into any violations of creditor with the assistance of their in-house experts.
The drawbacks of using CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with your credit card. If you’re trying to increase your credit score, it could delay you from working on your obligations.
CureDebt does not offer a mobile application. While they do have a client website, it looks old and mundane. It’s not particularly intuitive, and it can be challenging to navigate.
Furthermore, they are not credited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you resolve your debt without having to spend more for these types of services. Moreover, their 20% service cost is less expensive than the majority of companies that offer a 25% fee. There aren’t any upfront fees, and you will only have to pay the fee when the debt is paid off.
While they’ll provide you with an account to see your progress, their website is not easy to navigate. CuraDebt isn’t even an app that would make it easier to track your progression.
But, they do have a great support team and can be reached them, not only via emails but by phone or by making an e-ticket. Is There Tax Relief For Senior Citizens In Lancaster County Virginia
If the problem of debt is an issue right now, we highly recommend CuraDebt’s program. Be sure to be eligible and that the programs they provide are in your state.
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FAQ Is There Tax Relief For Senior Citizens In Lancaster County Virginia
How long will it take to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt provides tax relief programs to assist you with issues such as late payroll tax and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with the team and make the necessary payments to lower the amount of debt you have over time.
