Has your debt increased lately? Are you tired of trying other financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, the most effective approach is to talk to experts who can assist to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they can assist you or put you into more debt.
According to their customers, they can assist you in managing 80% of your debt so that you can finally take a few things off of your plate.
For some they believe these claims are too good to be true.
If you’re looking for something that will help you resolve your debt. In that situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth look at the way CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at its benefits and drawbacks.
Before beginning the review, watch this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Macroeconomics The Tax Relief, Unemployment Insurance Reauthorization, And Job Creation Act
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been a part of the American Fair Credit Council, the US Chamber of Commerce, and is 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?
Assistance in settling your debt is CuraDebt’s most popular feature. But they offer other services that can assist you in becoming financially stable.
It all begins by requesting a free savings estimate on the internet. This service is very confidential, and they won’t be doing a credit check. By using this estimate of savings you’ll be able to discover more about options towards debt-free.
The savings estimate, as mentioned before, gives you an insight into your choices regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support 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.
Following your debt settlement plan, CuraDebt is the company to answer all of your creditors’ calls. They will also be the ones that negotiate what you will pay for your settlement in accordance with the state of your finances. In determining which option is the most effectively for you, it could be either a lump sum settlement or the option of a payment plan.
Additionally they will also work with creditors to ensure that you get better rates when you transfer money into your savings account. This, is then processed to pay creditors. The plans they offer can help you pay off the debt in the period of 48 months.
After you’ve signed up with them, they’ll give you access to your data 24/7. All you have to do is log in to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. To be eligible, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing your debt. They can negotiate settlements on behalf of you for all kinds of debt. They can help with personal loans, medical bills credit cards, and lines of credit. They are also able to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. However, you won’t get assistance for the majority of your lawsuits, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, should it be possible. Some violations can also result in having your debts removed as well.
CuraDebt also allows you to repay debt for less than the sum you have. You can also ask questions during their free meeting with their debt counsellor.
The greatest benefit of the program is that you’ll only have to pay for the charges after your debt has been settled. All you need 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 can also deal with your tax debt. Once they collect all of your financial records They will also gather all the documents you’ll require for tax returns.
By using this program, you’ll be able to deal with different types of taxes like garnishments on wages, tax penalties, personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges either. They only use flat-fee pricing that is based on the amount you have to pay.
There are a variety of options for settling taxes. 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 types of debt are they able to help with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if your credit or loan is tied to an actual item.
However, if you have the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without any problems. Moreover, this type of service is offered to all 50 states if you owe money towards the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. In certain cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. However, they can assist private students in negotiating any student loans that they have to pay.
Personal Loan
Personal loans and payday loans are also eligible as debt-settling programs. You can also avail the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards, CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge an upfront fee. You’ll only pay once you have paid off all of your debts.
They also don’t charge high fees as well. On average, you’ll have to pay up to 20% of the debt you settled through them.
In general, this type of business can cost anywhere from 15% to 25 percent.
Moreover, clients can expect to pay off their debts in two to four years. However, this also varies according to the amount you save per month.
They also claim you can save as much as 30% when you factor in their charges into your calculation.
However, the claim may vary, depending on your specific situation. Some customers have even talked about saving between 50% and 80%.
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Benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. Furthermore they only charge a 20% fee while many companies charge 25 percent.
Then, if you’re done in the process of debt resolution, you could also sign up for their credit restoration program.
It’s a fantastic way to restore the credit rating without going into debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to help with settlements and negotiations. It means that your debt won’t increase as time passes. They’ll also look into any violations of creditor using their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with your credit card. So if you’re trying to improve your standing on credit scores, you could cause you to delay getting rid of your debt.
CureDebt doesn’t even offer a mobile application. While they have a website that clients can access but it’s outdated and basic. It’s not particularly intuitive and could be difficult to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you resolve your debt without having to spend more for these types of services. Moreover, their 20% service fee is less expensive than the majority of firms that charge a 25% fee. There is no upfront payment and you’ll only be required to pay once the debt is settled.
Although they’ll allow you to access an account that allows you to track your progress, their website is not easy to navigate. CuraDebt also doesn’t have an app, which would make it easier to track your performance.
They do have a great support team, and you can reach them not only through emails but also via phone or sending an electronic ticket. Macroeconomics The Tax Relief, Unemployment Insurance Reauthorization, And Job Creation Act
If debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they provide are in your area.
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FAQ Macroeconomics The Tax Relief, Unemployment Insurance Reauthorization, And Job Creation Act
How long does 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 aid with tax problems in the state?
It is true that CuraDebt has a tax relief program that will help you with problems such as late payroll tax issues and garnishments of wages.
What should I do once I’m 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.
