Are you experiencing debt that has increased lately? Are you exhausted from trying different financial advice and strategies but haven’t solved your problems?
Maybe you’re here because you’ve tried every thing.
In most cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the companies that get the most inquiries. Many customers have asked if 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 finally take a couple of worries off your shoulders.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll take a deeper study of how CuraDebt operates and what issues it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its benefits and drawbacks.
Before starting the review, you can check out this video instead in case you would prefer to watch 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. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Marriage Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become a participant in 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 can CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. However, they also offer other services that will aid you in becoming more financially stable.
The process begins by requesting a free savings estimate on the internet. It is a completely private service and they will not be doing a credit check. With this estimate of savings you’ll discover more about other options in your journey to be debt-free.
Savings estimates, as mentioned earlier, provides you with the opportunity to consider your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you in navigating credit arbitration in the event that you decide to join. Some financial advisors can help you on your path to debt-free living.
After your debt settlement program, CuraDebt is the one to handle all of your creditor’s calls. They’ll also be the ones that determine the terms of your repayment based on the status of your finances. Depending on which works most effectively your situation, the payment could be a lump-sum settlement or an installment plan.
Moreover, they will be working with creditors to ensure that you have better rates as you make deposits to your savings account. This, is then processed to pay creditors. Their plans can help you settle the debt within two years.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you have to do is login to CuraDebts’ client portal so that you can monitor your development.
Before you can benefit from their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll have to be:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they help you?
Here are the various ways CuraDebt can help you.
The name of the company suggests that CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. These include medical bills, personal loans credit cards, as well as lines of credit. You can also approach them to settle any outstanding balance on business debt, collections, or repossessions.
They may also assist in negotiating on tax owed 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 contrary, they’ll 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 debtors who are in violation to ensure that you receive cash settlements, if possible. Some violations can also result in having your debts removed as well.
CuraDebt lets you pay off debts with less than the amount you have. They also allow you to have questions answered during a free meeting with their debt advisor.
The greatest benefit of their plan is that you’ll only be charged after your debt has been settled. All you need to sign up for any of the plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they collect all of your financial documentation and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
By using this program, you’ll be able to deal with different types of taxes such as wage garnishments and tax penalties, personal and business taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only use flat-fee pricing that is based on the amount you’ll have to pay.
There are a variety of options in paying off taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kind of debt are they able to help with?
Although debt settlement is their forte, they don’t offer all kinds of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if the debt or loan is tied to an actual item.
However, if you have one of the following kinds of debt, they’ll make arrangements for settlements.
With CuraDebt the service, you’ll be able pay off your past-due tax debts without difficulty. Additionally, this service is offered to all 50 states in the event that you owe money towards the IRS. They have federal tax experts who can assist you in resolving the issues.
CuraDebt will also help you resolve the medical bills. In some cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students in negotiating any student loans that they are owed.
Personal loans and payday loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards CuraDebt can assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. The only time you pay is when you have paid off all of your outstanding debts.
They also do not charge high charges either. On average, you’ll have to pay as much as 20 percent of the debt that you settled through them.
In general, this type of business can cost anywhere between 15 and 25%.
Additionally, customers can anticipate to settle their debt from two to four years. However, this also varies according to the amount you can save up per month.
They also claim that you could save up to 30% if you include their charges into your calculation.
However, this statement will depend on the situation. Some clients even mentioned saving 50% to 80percent.
The benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt will only charge you after you’ve settled your debt. Additionally they only charge 20% of the cost, whereas the majority of companies charge 25 percent.
If you’re finished in the process of debt resolution you can also sign up for their credit restoration program.
It’s a great method to improve your credit score without going in debt again. However, the program lasts differently for each person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any violations by creditors with the help of their own experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt relief and debt settlements 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 set you back while you’re working on your debt.
CureDebt also doesn’t offer a mobile application. While they have a website that clients can access however, it appears aged and simple. It’s not particularly intuitive and could be challenging to navigate.
Furthermore, they are not accredited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to settle your debt without spending more for these types of services. In addition their 20% service charge is cheaper than most companies that offer the 25% cost. There aren’t any upfront fees, and you will only have to pay when your debt is finally settled.
Although they’ll give you an account to see your progress however, their website isn’t simple to navigate. CuraDebt isn’t even an app, which would make it easier to look at your progression. Marriage Tax Relief
They do have a good support team, and you can reach them not just via email but also via phone or sending an electronic ticket. Marriage Tax Relief
If the problem of debt is an problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the programs they provide are in your area.
FAQ Marriage Tax Relief
How long does it take to complete the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt aid with state tax problems?
Sure, CuraDebt has a tax relief program that can aid you in dealing with problems such as delinquent payroll tax issues and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll be required to communicate with the team and pay the required payments to lower your debt over time.