Are you experiencing debt that has been piling up lately? Are you tired of trying different financial advice and strategies but haven’t solved your problems?
Maybe you’re here because you’ve already tried every thing.
In the majority of cases, your most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is among the companies that get the most inquiries. A lot of customers have asked if they can help you or put you into more debt.
According to their clients they can assist you in managing 80% of your debt so that you are able to take few things off of your shoulders.
However, for certain people they believe these claims are too good to be true.
You might be looking for anything that can help you resolve your debt. In that scenario, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at how CuraDebt operates and what issues it can help you solve.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can check out this video instead for a more relaxing way watching 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. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Maryland Higher Education Student Loan Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most well-known feature. However, they also offer additional services to help you be more financially secure.
It all begins with requesting a free online savings estimate. The service is completely confidential and won’t be conducting a credit screening. With this estimate of savings you’ll learn more about your other options in your journey towards debt-free.
Savings estimates, as mentioned earlier, provides you with the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration in the event that you decide to join. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the company to answer all of your creditors’ calls. They’ll also be the ones who determine the terms of your payment depending on the condition of your financial situation. In determining which option is the best for you, it can either be a lump sum settlement or a payment plan.
Additionally, they will be working with creditors to ensure that you have better rates as you transfer money into your savings account. This, is then processed to pay the creditors. Their plans can help you pay off the debt in two years.
After you’ve signed up with them, they will allow you access to your data 24/7. All you have to do is sign in to CuraDebts the client portal to track your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They are able to negotiate settlements on your behalf for most types of debt. These include personal loans, medical bills credit cards, and loans. You can also approach them to settle any outstanding balance of business debt, 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, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations so that you can have cash settlements, if possible. Certain violations may result in having your debts also dismissed.
CuraDebt can also help you settle debt with less than the amount you have. They also allow you to inquire about your debt during their no-cost consult with their debt counsellor.
The most appealing aspect of their program is that you’ll only be charged when your debt is paid off. All you have to sign up to any of the plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial documentation and tax documents, they’ll also collect all the necessary paperwork to file tax returns.
Through this program, you’ll be able to solve various tax issues such as wage garnishments as well as tax penalties for personal and corporate taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They only offer flat-fee prices and is dependent on the amount that you’ll must settle.
They offer different options in the settlement of taxes. Here are six 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 are they able to help with?
While debt settlement is their forte however, they do not provide all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They can’t help you if your credit or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to pay your past-due tax debts without any issues. Furthermore, this service is available to all 50 states if you owe money in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students negotiate the student loans they have to pay.
Personal Loan
Payday loans and personal loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you have obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards as well as private label credit card CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is how they’ve priced their services. They don’t charge upfront fees. Only pay when you have paid off all of your debts.
Also, they don’t have high-cost charges either. On average, you’ll be required to pay up to 20% of the debt you settled through them.
In general, this type of industry charges from 15% to 25 percentage.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. This 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.
But this claim will also differ based on your specific situation. Some customers have even talked about saving 50 to 80percent.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt can offer you let’s look into the advantages of using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Furthermore they charge only a 20% fee while most companies charge you 25 percent.
If you’re finished in the process of debt resolution you could enroll in their credit restoration program.
It’s an excellent method to improve your credit score without going into debt again. However, the program lasts different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also be looking into any violations of creditor with the help of their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with . So if you’re trying to improve your standing on credit scores, you may set you back while you’re finishing your debt.
CureDebt does not offer a mobile application. While they have a client website, it looks old and mundane. It’s not particularly intuitive, and it can 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 useful program that lets you pay off your debts without spending more on these kinds of services. In addition their 20% service fee is cheaper than most firms that charge an additional 25% charge. There aren’t any upfront fees and you’ll only have to pay when the debt is paid off.
Although they’ll give you an account to see your progress however, their website isn’t easy to navigate. CuraDebt also doesn’t have an app, which would make it easier to monitor your performance.
But, they do have a good support team, and you can reach them not just via email but also by phone or making an electronic ticket. Maryland Higher Education Student Loan Tax Relief
If your problem of debt is an issue right now, we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services that they provide are offered in your state.
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FAQ Maryland Higher Education Student Loan Tax Relief
How long will it take to complete the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Yes, CuraDebt has a tax relief program that can assist you with issues such as late payroll tax and wage garnishments.
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 the amount of debt you have over time.
