Are you experiencing debt that has been piling up lately? Are you tired of trying various financial advice and tips 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 one of the most asked companies. Many people have been inquiring whether they are able to help or put you in more debt.
According to their clients, they can assist you in managing 80% of your debt so that you can finally take a couple of things off your plate.
However, for certain people the claims seem too good to be true.
Suppose you’re on the lookout for any solution that could assist you in paying off your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth review of the way CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, you can watch this video instead in case you would prefer 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 of CuraDebt.
About the Company Medical Relief For Irs Tax Debt
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is the most known feature. However, they also offer additional services to help you be 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 savings estimate you’ll be able to learn more about the options to debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an idea of your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you in navigating credit arbitration in the event that you decide to enroll. Some financial advisors can help you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the one to handle all of your creditors’ calls. They’ll also be the ones who will determine conditions of the repayment depending on the condition of your finances. Based on what works best for you, it can be either a lump sum settlement or the option of a payment plan.
Moreover they will be working with the creditors to ensure that you get better rates when you deposit money to your savings account, which in turn, will be processed to pay off creditors. Their programs can assist you to settle the debt within two years.
Once you’ve signed up with them, they’ll provide you with access to your data 24/7. All you need to do is log in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing your debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards, as well as lines of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. But, you won’t receive support for most of your lawsuits, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors in order to get cash settlements, if possible. Some violations can also lead to having your debts also dismissed.
CuraDebt also allows you to settle debt with less than the amount you own. You can also ask questions during their free meeting with their debt counselor.
The best part about their plan is that you will only pay the fees after your debt has been settled. All you have to sign up for one of their plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial records, they will also collect all the documents you’ll require to file tax returns.
With this program, you’ll be able to deal with various tax issues like garnishments on wages and tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They use only flat-fee pricing that is based on the amount you’ll need to settle.
There are a variety of options in settling the tax debt. 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 kinds of debts can they help you with?
While debt settlement is their specialization however, they do not provide all kinds of settlement. CuraDebt concentrates on unsecured debt. They aren’t able to help you if your debt or loan is tied to an item that is physical.
If you do have one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to settle taxes that are due without any problems. Additionally, this service is accessible to all 50 states if you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some cases you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students in negotiating the student loans they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. It is also possible to avail the program of the program if you also have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, or private label credit cards, CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt is how the company has priced its services. They don’t charge upfront fees. Only pay when you’ve paid each of your debts.
They also don’t have high-cost charges either. On average, you’ll have to pay up to 20% of the debt you settled with them.
In the average, this kind of industry can charge anywhere between 15 and 25%.
Additionally, customers can anticipate to settle their debt from 2 to 4 years. This varies in relation to the amount you save per month.
Also, they claim you can save as much as 30% if you include their fees in your equation.
However, the claim may differ based on the situation. Some customers even claimed to save 50 to 80%.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt offers, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Furthermore they only charge a 20% fee while the majority of 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 option to rebuild your credit score without going in debt again. However, the program runs 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. So, your debt won’t inflate over time. They’ll also look into any violations by creditors with the help of their in-house experts.
The drawbacks of the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief usually require that you stop paying with . If you’re trying to build a better standing on credit scores, you could cause you to delay working on your credit card debt.
CureDebt also doesn’t have a mobile app available. While they have a website that clients can access however, it appears aged and simple. It’s not particularly user-friendly, and can be challenging to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on those types of services. Moreover their 20% service cost is less expensive than the majority of firms that charge the 25% cost. There aren’t any upfront fees 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 however, their website isn’t easy to navigate. CuraDebt also doesn’t have an app yet, which could make it easier for you to track your progression.
But, they do have a competent support staff and can be reached them not just via email but by phone or by submitting an e-ticket. Medical Relief For Irs Tax Debt
If your problem of debt is an problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they provide are in your state.
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FAQ Medical Relief For Irs Tax Debt
How long does it take to complete the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt and the stipulated settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt has a tax relief program to aid you in dealing with problems like delinquent tax issues and garnishments on wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll be required to communicate with the team and make the necessary payments to reduce your debt over time.
