Have your debts increased lately? Are you exhausted from trying other financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried every thing.
In the majority of cases, your best option is to speak with professionals that can help to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. Many people are asking if they are able to help or put you into more debt.
According to their customers, they can help you control 80% of your debts so that you are able to take couple of worries off your shoulders.
However, for certain people they believe these claims are too good to be true.
Suppose you’re on the lookout for any solution that could help you resolve your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at how CuraDebt works and what problems it can solve for you.
Moreover, before we end we’ll look at its benefits and drawbacks.
Before you begin the review, check out this video instead in case you would prefer for it to be watched.
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. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Microvision Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been an active member 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, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. However, they also offer additional services to assist you in becoming financially stable.
It all starts by requesting a no-cost online savings estimate. This service is very confidential, and they won’t conduct a credit inquiry. With this savings estimate you’ll discover more about options to be debt-free.
Savings estimates, as we’ve mentioned before, gives you an idea of your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to help you with the process of credit arbitration should you choose to enroll. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement plan, CuraDebt will be the company to handle all of your creditors’ calls. They’ll be the ones who determine what you will pay for your settlement based on the status of your finances. In determining which option is the best your situation, the payment can either be a lump sum settlement or an installment plan.
Additionally, they will be working with creditors to ensure that you get better rates when you transfer money into your savings account. This, in turn, will process to pay the creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you need to do is login to CuraDebts the client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- Minimum 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 assist you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on your behalf for all kinds of debt. They can help with personal loans, medical bills credit cards as well as line of credit. They can also be approached to help settle any remaining balance of business debt collection, repossessions, or collections.
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, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations to ensure that you receive cash settlements, if they are possible. Certain violations could lead to having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the amount you own. Additionally, you can ask questions during their free consultation with their debt advisor.
The best part about their program is that you will only pay the fees once your debt is settled. 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 deal with your tax debt. 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 will be able to resolve the various types of tax problems such as wage garnishments, tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges also. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They offer different options in settling your tax debt. 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 can they assist you with?
Although debt settlement is their specialization but they aren’t able to provide all kinds of settlement. CuraDebt concentrates on unsecured debt. They aren’t able to assist you if your loan or debt is linked to an item that is physical.
However, if you have the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off your past-due tax debts without any issues. Additionally, this service is offered to all 50 states if you have a debt to the IRS. There are tax experts from the federal government that can help you resolve the issues.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some instances you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to Federal student loan. They can however assist private students negotiate any loans they owe.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You can also avail the program if you have other unsecure credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. Only pay when you’ve paid each of your debts.
Also, they don’t charge high costs either. On average, you’ll be required to pay up to 20% of the debt you settled with them.
In general, this type of industry charges between 15% and 25 percentage.
Moreover, clients can expect to settle their debts within 2 to 4 years. This varies in relation to the amount you are able to save each month.
They also claim you can save as much as 30% by incorporating their charges into your calculation.
But this claim will also vary, depending on your 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 what CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt is only charged after you’ve settled your debt. In addition, they only charge a 20% fee while the majority of companies charge 25%.
If you’re finished with the debt settlement program you could also sign up for their credit restoration program.
It’s a fantastic way to restore your credit score without having to go in debt again. The program is however designed differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also be looking into any violations of creditor using their experts in-house.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with your credit card. If you’re trying to improve your rating on your credit, this might set you back while you’re working on your credit card debt.
CureDebt doesn’t even have a mobile app available. While they do have a website for clients, it looks outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on those types of services. In addition the 20% service fee is cheaper than most firms that charge the 25% cost. There is no upfront payment, and you will only have to pay the fee when the debt is settled.
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 that would make it easier to monitor your performance. Microvision Tax Relief
However, they have a competent support staff, and you can reach them not just via email but by phone or by making an e-ticket. Microvision Tax Relief
If the credit card is a major problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they offer are available in your state.
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FAQ Microvision Tax Relief
What is the time frame to complete the course?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt has a tax relief program to aid you in dealing with problems such as late payroll tax issues and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and pay the required payments to pay down your debt over time.
