Has your debt been increasing lately? Are you exhausted from trying other financial tips and advice but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through 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 companies that get the most inquiries. A lot of customers have asked if they can help you or help you get into more debt.
According to their customers, they can help you control the majority of your debt so that you can take couple of things off your shoulders.
However, for certain people the claims seem too good to be true.
You might be looking for something that will aid you in settling your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at 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 the advantages and disadvantages of this method.
Before you begin the review, you can check out this video instead for a more relaxing way watching 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. After, you will want to read the rest of our article for a more comprehensive review.
About the Company List Of Eligible Charities For Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been a part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best known feature. However, they also offer other services that can aid you in becoming more financially stable.
First of all, it starts by requesting a no-cost savings estimate online. This service is very confidential, and they won’t conduct a credit inquiry. By using this estimate of savings you’ll be able to discover more about alternatives to be debt-free.
The savings estimate, as we’ve mentioned previously, offers you an idea of your choices, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating the process of credit arbitration should you choose to sign up. Some financial advisors can help you on your path to debt-free living.
Following the debt settlement plan, CuraDebt will be the company to take care of all your creditor’s calls. They’ll also be the ones who will determine the terms of your settlement in accordance with the state of your financial situation. Depending on which works best for you, it can either be a lump sum settlement or a payment plan.
Furthermore, they will be working with the lenders to help you have better rates as you transfer money into your savings account, which in turn, will process to pay off the creditors. Their plans can help you get rid of debt in just 48 months.
After you’ve signed up with them, they will allow you access to your information 24/7. All you need to do is login to CuraDebts Client Portal to track your performance.
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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 have to be:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include personal loans, medical bills credit cards and lines of credit. They are also able to pay off any remaining balance of business debt collection, repossessions, or collections.
They may even assist you in negotiating with back taxes and IRS debt. However, you will not receive assistance with the majority claims, government loans or collateral, as well as utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations to ensure that you receive cash settlements, should it be possible. Certain violations may result in having your debts also dismissed.
CuraDebt can also help you settle debt with less than the sum you have. They also allow you to inquire about your debt during their no-cost consult with their debt counselor.
The best part about their program is that you only pay the fees when your debt is paid off. All you have to sign up to any of the plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial documents They will also gather all the documents you’ll require for tax returns.
By using this program, you should be able to resolve different types of taxes like wage garnishments and tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges also. They use only flat-fee pricing and is dependent on the amount that you’ll must settle.
There are a variety of options in paying off your tax debt. 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 kind of debt can they assist you with?
While debt settlement is their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on debt that is not secured. They can’t help you if the loan or debt is linked to a physical item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle your past-due tax debts without any problems. Moreover, this type of service is available to all 50 states if you owe money to the IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In certain cases, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students with negotiating any student loans that they are owed.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards as well as private label credit card, CuraDebt will help you pay it off.
How much will it cost?
The best part about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you settle each of your debts.
They also don’t have high-cost fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt you settled with them.
In general, this type of business can cost anywhere between 15% and 25 percentage.
Moreover, clients can expect to settle their debt from two to four years. This varies according to the amount you can save up per month.
Also, they claim that you could save as much as 30% by incorporating their charges into your calculation.
However, this statement will differ based on your situation. Some clients even mentioned saving 50 to 80%.
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The benefits of using CuraDebt
Once you’ve got an understanding of what CuraDebt can provide, let’s look into the advantages from using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. In addition, they only charge a 20% fee while many companies charge 25 percent.
If you’re finished with the debt settlement program you could enroll in their credit repair program.
It’s an excellent way to restore your credit score without having to go in debt again. However, the program lasts different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also be looking into any violations of creditor with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with your credit card. If you’re trying to increase your standing on credit scores, you might set you back while you’re working on your credit card debt.
CureDebt doesn’t even have a mobile app. Although they have a client website, it looks old and mundane. It’s not very intuitive and could be challenging to navigate.
Moreover, they are still not credited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more on these kinds of services. Moreover their 20% service fee is cheaper than most businesses that charge a 25% fee. There aren’t any upfront fees and you’ll only have to pay when the debt is paid off.
Although they’ll allow you to access an account that allows you to track your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app that would make it easier to track your progress.
They do have a great support team that you can contact them not only through emails but also by phone or submitting an e-ticket. List Of Eligible Charities For Tax Relief
If your debt is a big problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ List Of Eligible Charities For Tax Relief
What is the time frame to finish the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief to aid you in dealing with problems such as late payroll tax issues and wage garnishments.
What should I do after joining the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to lower your debt over time.
