Are you experiencing debt that has been increasing lately? Are you tired of trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, the best option is to speak with experts who can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. A lot of customers have asked if they can assist you or help you get into more debt.
According to their clients they can help you control 80percent of your debt , so you can finally take a couple of things off your plate.
However, for certain people they believe these claims are 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 suggested by people. We’ll be taking a deep study of how CuraDebt is used and the problems it can help you solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, go to this video in case you would prefer to watch it.
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 J David Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you settle your debt is the most popular feature. But they offer other services that can assist you in becoming financially secure.
It all begins by requesting a free online savings estimate. The service is completely confidential and they will not be conducting a credit screening. With this estimate of savings you’ll discover more about other options in your journey to debt-free.
The savings estimate, as we’ve mentioned previously, offers you the opportunity to consider your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with credit arbitration if you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement plan, CuraDebt can be the one to take care of all your creditor’s calls. They’ll also be the ones that determine the terms of your payment depending on the condition of your financial situation. Depending on which works best for you, it can be either a lump sum settlement or the option of a payment plan.
Moreover they will also be working with creditors to ensure that you have better rates as you make deposits to your savings account. This in turn, will be 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’ll give you access to your data 24/7. All you have to do is log in to CuraDebts the client portal to monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They can negotiate settlements on behalf of you for all kinds of debt. They can help with personal loans, medical bills credit cards and also lines of credit. They can also be approached to pay off any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating for back taxes as well as IRS debt. But, you won’t receive support for most of your lawsuits, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as the 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 so that you can have cash settlements, should it be possible. Certain violations may cause your debt to be dismissed as well.
CuraDebt can also help you pay off debts with less than the amount you own. Additionally, you can have questions answered during a free consult with their debt advisor.
The best part about the program is that you’ll only have to pay for the charges once your debt is settled. All you need to sign up for some of their programs, and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial records and tax documents, they’ll also collect all the necessary paperwork to file tax returns.
Through this program, you should be able to resolve various tax issues such as wage garnishments, tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs also. They only offer flat-fee prices that is based on the amount that you’ll have to pay.
They offer different options when it comes to paying off taxes. 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?
Although debt settlement is their specialization, they don’t cater to all types of debt settlement. CuraDebt concentrates on debt that is not secured. They won’t be able to assist you if your debt or loan is tied to a physical item.
If you do have one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to settle taxes that are due without any problems. Moreover, this type of service is accessible to all 50 states in the event that you owe money to the IRS. There are tax experts from the federal government to assist you with these types of issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some cases you could even settle them for less than what you are owed.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. However, they can assist private students negotiate any loans they owe.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You can also avail 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
If you are in debt through store credit cards or traditional credit cards or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is how they’ve priced their service. They do not charge an upfront cost. Only pay when you’ve paid each of your debts.
They also do not charge high charges either. On average, you’ll have to pay up to 20 percent of the debt that you settled through them.
In general, this type of business can cost anywhere between 15 and 25%.
In addition, customers can expect to settle their debt from two to four years. But, it also differs in relation to the amount you are able to save each month.
Additionally, they claim that you could save up to 30% when you factor in their charges into your calculation.
However, this statement will depend on your specific situation. Some clients even mentioned saving between 50% and 80%.
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The benefits of using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Furthermore, they only charge an amount of 20%, while the majority of companies charge 25 percent.
If you’re finished with the debt settlement program you may enroll in their credit restoration program.
It’s a fantastic option to rebuild your credit score without having to go into debt again. However, the program runs different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also be looking into any violations by creditors with the assistance of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with . If you’re trying to build a better credit score, it could delay you from getting rid of your debt.
CureDebt does not have a mobile app. Although they have a website for clients but it’s old and mundane. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to settle your debt without spending more on these kinds of services. In addition, their 20% service cost is cheaper than most companies that offer an additional 25% charge. There are no upfront payments and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account so that you can track your progress, their website is not user-friendly. CuraDebt does not have an app that would make it easier to look at your progress.
However, they have a great support team that you can contact them not only through emails but also via phone or making an electronic ticket. J David Tax Relief
If your debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they offer are available in your area.
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FAQ J David Tax Relief
What is the time frame to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt and the agreed settlement.
Can CuraDebt aid with tax problems in the state?
Yes, CuraDebt offers a program for tax relief to help you with problems such as delinquent payroll taxes and wage garnishments.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and make the necessary payments to reduce the amount of debt you have over time.
