Has your debt increased lately? Are you tired of trying different financial advice and strategies but haven’t solved your problems?
Maybe you’re here because you’ve already tried everything.
In the majority of cases, the most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is one of the most asked companies. Many people have been inquiring whether they are able to help or help you get into more debt.
According to their customers, they can assist you in managing the majority of your debts so that you are able to take few things off of your shoulders.
But for some people, these claims are just too good to be true.
If you’re looking for anything that can assist you in paying off your debt. In that situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at how CuraDebt operates and what issues it could help solve.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before you begin the review, you can watch this video instead in case you would 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 overview. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Justice Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. However, they also offer other services that can aid you in becoming more financially secure.
First of all, it begins with requesting a free online savings estimate. This service is very confidential, and they won’t conduct a credit inquiry. With this savings estimate you’ll be able to learn more about the other options in your journey to debt-free.
The savings estimate, as we’ve mentioned earlier, provides you with an idea of your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with the process of credit arbitration should you choose to join. Some financial advisors can help you on your path to debt-free living.
After your debt settlement program, CuraDebt is the agency to handle all of your creditors’ calls. They’ll also be the ones that will negotiate the terms of your settlement based on the status of your financial situation. Depending on which works most effectively for you, it can be either a lump sum settlement or a payment plan.
Furthermore, they will work with creditors so that you can enjoy better rates when you make deposits to your savings account. This, is then processed to pay off creditors. The plans they offer can help you pay off the debt in 48 months.
After you’ve registered with them, they’ll provide you with access to your information 24/7. All you need to do is log in to CuraDebts Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to meet the following requirements:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they help you?
Here are the various ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans credit cards and line of credit. They can also be approached to help settle any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. But, you won’t receive assistance for the majority cases, loans from the government, collateral, and utility bills. They also don’t cover most 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 can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, should it be possible. Certain violations could cause your debt to be removed as well.
CuraDebt lets you repay debt for less than the amount you own. Additionally, you can have questions answered during a free meeting with their debt counsellor.
The most appealing aspect of their program is that you only be charged when your debt is paid off. All you have to do is sign up with any of the plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial documentation They will also gather all the documents you’ll require for tax returns.
With this program, you’ll be able to solve the various types of tax problems like wage garnishments as well as tax penalties for personal and corporate taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They use only flat-fee pricing and is dependent on the amount that you’ll have to pay.
There are a variety of options in paying off your 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 can they help you with?
While debt settlement is their specialty, they don’t offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They can’t help you if the credit or loan is tied to an actual item.
If you do have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without difficulty. Additionally, this service is available to all 50 states if you have a debt to the IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In certain cases you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. Still, they can help private students in negotiating any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You may also be eligible of the program if you also have other unsecured credit lines that you got from an alternative financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards and private-label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. Only pay when you settle each of your outstanding debts.
Additionally, they don’t charge high fees as well. On average, you’ll be required to pay up to 20% of the debt you settled with them.
In the average, this kind of industry charges from 15% to 25 percent.
Moreover, clients can expect to settle their debt from 2 to 4 years. This varies depending on the amount that you are able to save each month.
Also, they claim that you can save as much as 30% if you include their costs into your calculations.
But this claim will also vary, depending on your specific situation. Some clients even mentioned saving 50% to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt offers, let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. In addition, they only charge a 20% fee while the majority of companies charge 25 percent.
Then, if you’re done by the program for debt relief you can join their credit repair program.
It’s a great way to restore your credit without having to go into debt again. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
Finally, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also look into any violations by creditors using their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with the credit card you use. Therefore, if you’re trying build a better rating on your credit, this might delay you from finishing your obligations.
CureDebt doesn’t even offer a mobile application. While they do have a website that clients can access, it looks outdated and basic. It’s not particularly user-friendly, and can be challenging to navigate.
In addition, they’re not recognized by the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to resolve your debt without having to spend more on those types of services. In addition the 20% service charge is cheaper than most businesses that charge a 25% fee. There aren’t any upfront fees, and you will only be required to pay once your debt is finally settled.
While they’ll provide you with an account so that you can track your progress however, their website isn’t easy to navigate. CuraDebt isn’t even an app that would make it easier to look at your performance. Justice Tax Relief
But, they do have a great support team that you can contact them not just via email but also via phone or making an electronic ticket. Justice Tax Relief
If your credit card is a major problem, then we highly recommend CuraDebt’s program. Be sure to be qualified and that the services that they provide are offered in your area.
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FAQ Justice Tax Relief
What is the time frame to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt has a tax relief program to assist you with issues such as late payroll taxes and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to pay down the amount of debt you have over time.
