Has your debt been increasing lately? Are you tired of trying various financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve tried everything.
In most cases, the most effective approach is to talk to professionals that can help to resolve this issue.
CuraDebt is among the most asked companies. A lot of people have been inquiring whether they can assist you or put you in more debt.
According to their clients they can help you control 80% of your debt so that you can take couple of things off your shoulders.
But for some people they believe these claims are too good to be true.
You might be looking for anything that can aid you in settling your debt. If that’s the scenario, CuraDebt will mostly be suggested by people. We’ll take a deeper look at the way CuraDebt is used and the problems it can help you solve.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before starting the review, go to this video for a more relaxing way to watch 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. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Laura Gillen Seekd Credit For Tax Relief She Voted Against
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is the most known feature. They also provide additional services to aid you in becoming more financially stable.
It all begins with requesting a free savings estimate online. This service is very confidential and they will not be doing a credit check. With this estimate of savings you’ll learn more about your alternatives to be debt-free.
Savings estimates, as mentioned earlier, provides you with an idea of your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you in navigating credit arbitration if you decide to enroll. Some financial advisors can help you with your debt-free journey.
Following the debt settlement program is completed, CuraDebt is the company to handle all of the calls from your creditors. They will be the ones who negotiate what you will pay for your repayment based on the status of your financial situation. Based on what works most effectively your situation, the payment could be a lump-sum settlement or an installment plan.
Furthermore they will be working with the lenders to help you have better rates as you transfer money into your savings account. This, in turn, will be processed to pay off the creditors. Their programs can assist you to settle the debt within two years.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you need to do is log in to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to pass their requirements first. For eligibility, you’ll need to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans 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 also assist in negotiating for back taxes and IRS debt. However, you will not receive assistance with the majority of your lawsuits, government loans as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations in order to get cash settlements, if possible. Certain violations could cause your debt to be also dismissed.
CuraDebt also allows you to settle debt with less than the amount you have. You can also inquire about your debt during their no-cost meeting with their debt advisor.
The greatest benefit of the program is that you’ll only have to pay for the charges once your debt is settled. All you need to sign up to some of their programs and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they’ve gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
With this program, you will be able to deal with different types of taxes like garnishments on wages, tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They use only flat-fee pricing that is based on the amount you’ll need to settle.
They offer different 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 kind of debt can they assist you with?
While debt settlement is their specialization, they don’t offer all kinds of debt settlement. CuraDebt is only focused on debt that is not secured. They can’t help you if your credit or loan is tied to a physical item.
If you do have one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able pay off your past-due tax debts without any issues. Furthermore, this service is offered to all 50 states in the event that you owe money in arrears to IRS. There are federal tax experts that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some instances you might even be able to pay them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students in negotiating any loans they owe.
Personal Loan
Payday loans and personal loans also qualify to be eligible for debt relief programs. You may also be eligible of the program if you also have other unsecured credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They don’t charge upfront fees. The only time you pay is when you’ve paid each of your debts.
Also, 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 with them.
In general, this type of industry charges from 15% to 25 percentage.
In addition, customers can expect to pay off their debts in between 2 and 4 years. This varies in relation to the amount you are able to save each month.
They also claim that you could save up to 30% by incorporating their costs into your calculations.
But this claim will also vary, depending on your specific situation. Some clients even mentioned saving 50 to up to 80%.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt offers, let’s explore the benefits from using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. In addition they only charge an amount of 20%, while the majority of companies charge 25 percent.
Next, if you’re done in the process of debt resolution you may join their credit restoration program.
It’s an excellent way to restore your credit without having to go into debt again. The program is however designed differently for each person, depending on your situation.
Finally, CureDebt looks into your debt so that they can assist with settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also be looking into any violations of creditor with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using your credit card. So if you’re trying to build a better standing on credit scores, you could cause you to delay working on your debt.
CureDebt also doesn’t have a mobile app. While they do have a website that clients can access but it’s outdated and basic. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more on those types of services. Additionally the 20% service cost is lower than many firms that charge the 25% cost. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt isn’t even an app, which could make it easier for you to monitor your progress.
However, they have a competent support staff and can be reached them not only through emails but by phone or by submitting an electronic ticket. Laura Gillen Seekd Credit For Tax Relief She Voted Against
If credit card is a major problem, then we recommend CuraDebt’s service. Be sure to be eligible and that the services they offer are available in your state.
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FAQ Laura Gillen Seekd Credit For Tax Relief She Voted Against
What is the time frame to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt provides tax relief programs that will assist you with issues like delinquent taxes and garnishments of wages.
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 your team members and make the necessary payments to pay down the amount of debt you have over time.
