Has your debt been increasing lately? Are you burnt out from trying various financial advice and strategies but haven’t solved your problems?
Maybe you’re here because already tried everything.
In the majority of cases, your most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they are able to help or help you get into more debt.
According to their clients they can help you control the majority of your debt , so you are able to take couple of w
orries off your shoulders.
However, for certain people they believe these claims are too good to be true.
You might be looking for any solution that could aid you in settling your debt. In this case, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can help you solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before you begin 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. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Minnesota Circuit Breaker Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have restricted their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. But they offer additional services to help you be more financially secure.
The process begins by requesting a free savings estimate on the internet. It is a completely private service and won’t conduct a credit inquiry. By using this estimate of savings, you will learn more about your other options in your journey to be debt-free.
This estimate of savings, as we’ve mentioned previously, offers you an idea of your options, regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement program is completed, CuraDebt is the one to answer all of your creditors’ calls. They will also be the ones that will negotiate what you will pay for your settlement depending on the condition of your financial situation. Depending on which works most effectively for you, it could be a lump-sum settlement or the option of a payment plan.
Furthermore, they will be working with lenders to help you get better rates when you transfer money into your savings account. This, in turn, will be processed to pay off creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is log in to CuraDebts Client Portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can avail of 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:
- Minimum 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They can negotiate settlements on behalf of you for the majority of types of debt. This includes medical bills, personal loans credit cards, and loans. They can also be approached to settle any outstanding balance of business debt and collections or repossessions.
They can even help negotiate for back taxes as well as IRS debt. However, you won’t get support for most cases, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they will assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors so that you can have cash settlements, should it be possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt can also help you repay debt for less than the sum you have. They also allow you to have questions answered during a free consultation with their debt counsellor.
The best part about the program is that you only be charged once your debt is 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 will also handle taxes. After they have gathered all your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to resolve various tax issues such as wage garnishments as well as tax penalties for personal and corporate taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
They offer different options for the settlement of the tax debt. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- 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 however, they do not cater to all types in debt resolution. CuraDebt is only focused on unsecured debt. They can’t help you if your credit or loan is tied to an item that is physical.
If you do have the following types of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without difficulty. Additionally, this service is offered across all 50 states, if you owe money in arrears to IRS. They have federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some instances you could even settle them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify 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 got from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, as well as private label credit card, CuraDebt will assist you in paying it off.
How much will it cost?
The best part about CuraDebt’s pricing is how they’ve priced their service. They don’t charge upfront fees. Only pay when you settle each of your outstanding debts.
Also, they don’t have high-cost fees as well. On average, you’ll be required to pay as much as 20% of the debt you settled with them.
In the average, this kind of industry can charge anywhere from 15% to 25 percent.
Moreover, clients can expect to pay off their debts in two to four years. However, this also varies in relation to the amount you can save up per month.
They also claim that you could save as much as 30% when you factor in their charges into your calculation.
However, the claim may depend on the situation. Some clients even mentioned saving between 50% and up to 80%.
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Advantages to using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can provide, let’s look into the advantages that come with using CuraDebt.
First, CuraDebt only charges you when you’ve paid off your debt. Additionally they only charge 20% of the cost, whereas the majority of companies charge 25%.
Then, if you’re done by the program for debt relief you may join their credit repair program.
It’s a fantastic option to rebuild your credit score without going in debt again. The program is however designed in a different way for each individual according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also look into any creditor violations with the assistance of their own experts.
Some disadvantages to using CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using your credit card. So if you’re trying to build a better rating on your credit, this may set you back while you’re getting rid of your obligations.
CureDebt does not have a mobile app available. While they do have a client website, it looks aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with their Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you pay off your debts without spending more on these kinds of services. Additionally the 20% service charge is less expensive than the majority of firms that charge the 25% cost. There are no upfront payments, and you will only be required to pay once the debt is settled.
Although they’ll give you an account to see your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app, which could make it easier for you to track your progression.
They do have a good support team, and you can reach them not only through emails but by phone or by sending an e-ticket. Minnesota Circuit Breaker Tax Relief
If your credit card is a major problem, then we highly recommend CuraDebt’s program. Be sure to be eligible and that the services they provide are in your state.
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FAQ Minnesota Circuit Breaker Tax Relief
What is the time frame to complete the course?
The average program is between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt aid with state tax problems?
It is true that CuraDebt offers a program for tax relief to aid you in dealing with problems like delinquent taxes and garnishments of wages.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce your debt over time.
