Are you experiencing debt that has increased lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, your best way is to approach professionals that can help you resolve the issue.
CuraDebt is among the most frequently contacted companies. Many people are asking if they can help you or put you in more debt.
According to their clients, they can help you manage 80percent of your debt , so you are able to take couple of w
orries off your mind.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. In that situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of how CuraDebt works and what problems it can help you solve.
Furthermore, before we conclude, we’ll also look into its benefits and drawbacks.
Before starting the review, watch this video instead 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 overview. Afterward, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Legal Aid For Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has been an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it 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 assist you in becoming financially secure.
First of all, it starts by requesting a no-cost online savings estimate. The service is completely confidential and won’t conduct a credit inquiry. With this savings estimate you’ll be able to be able to learn more about the alternatives to debt-free.
This estimate of savings, which was mentioned previously, offers you an idea of your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to help you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt can be the company to take care of all your creditors’ calls. They will also be the ones who negotiate conditions of the payment depending on the condition of your financial situation. Based on what works most effectively for you, it can either be a lump sum settlement or a payment plan.
Moreover, they will work with creditors so that you can have better rates as you make deposits to your savings account, which in turn, will process to pay the creditors. Their programs can assist you to 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 need to do is sign in to CuraDebts Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to satisfy their criteria first. For eligibility, you’ll need to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $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 with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans, credit cards and loans. They are also able to settle any outstanding balance on business debt collection, repossessions, or collections.
They can even help negotiate on tax owed and IRS debt. However, you won’t get assistance with the majority cases, government loans as well as collateral and utility bills. Also, they don’t cover the majority of 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 also help you find debtors who are in violation to ensure that you receive cash settlements, should it be possible. Some violations can also cause your debt to be removed as well.
CuraDebt can also help you settle debt with less than the amount you have. They also allow you to have questions answered during a free meeting with their debt counselor.
The greatest benefit of their plan is that you’ll only be charged when your debt is paid off. All you have to do is sign up with some of their programs and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial records, they will also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to deal with different types of taxes such as garnishments on wages as well as tax penalties for personal and corporate taxes, back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees also. They use only flat-fee pricing that is based on the amount that you’ll must settle.
There are a variety of options in paying off taxes. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt can they help you with?
While debt settlement is their specialty, they don’t offer all kinds of settlement. CuraDebt concentrates on debt that is not secured. They can’t help 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 make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without any problems. Additionally, this service is accessible across all 50 states, if you owe money in arrears to IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to Federal 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. It is also possible to avail the program if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you’ve paid each of your debts.
They also don’t charge high costs either. In the average, you’ll need to pay as much as 20 percent of the debt that you settled through them.
On average, this type of industry charges from 15% to 25 percentage.
Moreover, clients can expect to settle their debts within between 2 and 4 years. However, this also varies according to the amount you can save up per month.
Additionally, they claim that you can save as much as 30% when you factor in their costs into your calculations.
However, the claim may vary, depending on your specific situation. Some customers even claimed to save between 50% and up to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt will only charge you after you’ve settled your debt. Additionally they charge only 20% of the cost, whereas most companies charge you 25 percent.
Next, if you’re done by the program for debt relief you may enroll in their credit repair program.
It’s a great way to restore your credit score without having to go back into debt. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your financial obligations to assist with settlements and negotiations. This means your debt won’t increase as time passes. They’ll also investigate any violations by creditors using their experts in-house.
The drawbacks of using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop making payments using your credit card. So if you’re trying to increase your rating on your credit, this might cause you to delay working on your debt.
CureDebt does not have a mobile app available. Although they have a client website but it’s aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that will allow you to resolve your debt without having to spend more on these kinds of services. Additionally, their 20% service charge is less expensive than the majority of businesses that charge an additional 25% charge. There aren’t any upfront fees and you’ll only be required to pay once the debt is settled.
Although they’ll give you an account to see your progress, their website is not simple to navigate. CuraDebt also doesn’t 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 just via email but by phone or by making an e-ticket. Legal Aid For Tax Relief
If the debt is a big problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ Legal Aid For Tax Relief
How long does it take to complete the program?
The average program is 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?
It is true that CuraDebt provides tax relief programs that will help you with problems such as late payroll taxes and garnishments of wages.
What do I need to do after joining the program?
You’ll need to constantly communicate with the team and make the necessary payments to lower your debt over time.
