Has your debt increased lately? Are you exhausted from trying other financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve tried everything.
In the majority of cases, your most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they are able to help or put you into more debt.
According to their clients they can assist you in managing 80% of your debt so that you can finally take a 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 case, CuraDebt will mostly be recommended by people. We’ll take a deeper review of how CuraDebt operates and what issues it can help you solve.
Furthermore, before we conclude, we’ll also look into its advantages and drawbacks.
Before beginning the review, you can go to this video for a more relaxing way watching 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 the article for a more comprehensive review.
About the Company Larsen Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become 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.
While it is accredited, certain states have restricted their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most popular feature. However, they also offer other services that can help you be more financially stable.
The process begins by requesting a free online savings estimate. This service is very confidential and they will not conduct a credit inquiry. By using this estimate of savings, you will be able to learn more about the options to be debt-free.
Savings estimates, which was mentioned before, gives you an idea of your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with credit arbitration if you decide to join. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the agency to answer all of the calls from your creditors. They’ll be the ones who determine conditions of the settlement based on the status of your financial situation. Based on what works best your situation, the payment can either be a lump sum settlement or a payment plan.
Furthermore, they will work with creditors so that you can enjoy better rates when you deposit money to your savings account. This is then processed to pay creditors. Their programs can assist you to pay off the debt in 48 months.
After you’ve registered with them, they’ll allow you access to your account information 24 hours a day. All you need to do is sign in 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 satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the different ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They can negotiate settlements on behalf of you for all kinds of debt. They can help with medical bills, personal loans credit cards, as well as loans. They are also able to settle any outstanding balance of business debt and collections or repossessions.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t receive assistance with the majority claims, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the other hand, they can help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors so that you can have cash settlements, should it be possible. Some violations can also cause your debt to be also dismissed.
CuraDebt also allows you to repay debt for less than the sum you have. You can also have questions answered during a free consult with their debt counsellor.
The best part about the program is that you will only be charged once your debt is settled. All you need to do is sign up with any of the plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they’ve gathered all your financial documentation They will also gather all the necessary paperwork for tax returns.
Through this program, you will be able to resolve various tax issues such as garnishments on wages, tax penalties, personal and corporate taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices that is based on the amount that you’ll must settle.
They offer different options for paying off the tax debt. Here are 6 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 they specialize in debt settlement, it is not their specialty but they aren’t able to cater to all types in debt resolution. CuraDebt only focuses on unsecured debt. They aren’t able to assist you if your loan or debt is linked to an actual 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 pay off your past-due tax debts without difficulty. Additionally, this service is available to all 50 states in the event that you have a debt towards the IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students negotiate any student loans that they have to pay.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You can also avail of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card CuraDebt will help you pay 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 an upfront fee. The only time you pay is when you’ve paid each of your debts.
Also, they don’t have high-cost costs either. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
In general, this type of industry charges between 15% and 25 percent.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. This varies depending on the amount that you save per month.
Also, they claim that you can save as much as 30% if you include their costs into your calculations.
However, this statement will depend on your situation. Some customers have even talked about saving between 50% and up to 80%.
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Advantages to using CuraDebt
Now that you have an idea of the benefits CuraDebt can provide, Let’s take a look at the benefits that come with using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. In addition, they only charge an amount of 20%, while many companies charge 25%.
Next, if you’re done in the process of debt resolution, you can enroll in their credit repair program.
It’s a fantastic method to improve your credit without having to go back into debt. However, the program lasts different for every person according to your personal situation.
In the end, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also investigate any violations by creditors with the assistance of their own experts.
Drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief usually require that you stop paying with your credit card. If you’re trying to improve your standing on credit scores, you may cause you to delay finishing your obligations.
CureDebt does not have a mobile app. While they do have a website that clients can access however, it appears outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you pay off your debts without spending more for these types of services. Additionally, their 20% service fee is cheaper than most businesses that charge the 25% cost. There is no upfront payment, and you will only have to pay the fee when the debt is paid off.
While they’ll provide you with an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app that would make it easier to look at your progress.
They do have a great support team that you can contact them not only through emails but also via phone or submitting an e-ticket. Larsen Tax Relief
If the credit card is a major problem right now, we recommend CuraDebt’s service. Be sure to be eligible and that the programs that they provide are offered in your state.
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FAQ Larsen Tax Relief
How long will it take to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt has a tax relief program that can aid you in dealing with problems like delinquent tax and wage garnishments.
What do I need to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to reduce your debt over time.
