Have your debts been increasing lately? Are you tired of trying other financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried everything.
In most cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they can help you or put you into more debt.
According to their customers, they can assist you in managing 80percent of your debt so that you can take couple of worries off your mind.
For some they believe these claims are 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 recommended by people. We’ll be taking a deep look at how CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude we’ll look at its advantages and drawbacks.
Before starting the review, you can watch this video instead if you 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. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Mortgage Tax Relief Calculator
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. But they offer other services that can aid you in becoming more financially stable.
First of all, it begins with requesting a free savings estimate on the internet. This service is very confidential and they will not be doing a credit check. With this savings estimate you’ll be able to be able to learn more about the other options in your journey towards debt-free.
The savings estimate, as we’ve mentioned previously, offers you the opportunity to consider your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you with the process of credit arbitration should you choose to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to take care of all your creditors’ calls. They will be the ones who will negotiate what you will pay for your repayment depending on the condition of your finances. Based on what works best for you, it could either be a lump sum settlement or the option of a payment plan.
Moreover they will work with lenders to help you have better rates as you transfer money into your savings account, which in turn, will be processed to pay off creditors. The plans they offer can help you settle the debt within two years.
After you’ve registered with them, they’ll provide you with access to your information 24/7. All you need to do is sign in to CuraDebts’ client portal to track your progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the various ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing your debt. They are able to negotiate settlements on your behalf for most types of debt. They can help with medical bills, personal loans credit cards, and line of credit. They are also able to help settle any remaining amount on business debts and collections or repossessions.
They can even help negotiate on tax owed and IRS debt. But, you won’t receive support for most claims, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they will help you use laws like 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, if they are possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. They also allow you to inquire about your debt during their no-cost consultation with their debt counselor.
The most appealing aspect of their program is that you’ll only have to pay for the charges when your debt is paid off. All you need to sign up to any of the plans and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. After they have gathered all your financial records, they will also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to deal with various tax issues such as garnishments on wages and tax penalties, personal and business taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t hidden fees either. They only use flat-fee pricing and is dependent on the amount that you’ll must settle.
They have different solutions when it comes to the settlement of 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 kind of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty however, they do not provide all kinds in debt resolution. CuraDebt concentrates on loans that are not secured. 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 the service, you’ll be able to pay your past-due tax debts without any problems. Additionally, this service is available across 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 can also assist in settling any medical-related debt. In some instances you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate the student loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards as well as private label credit card CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is how they’ve priced their services. They don’t charge upfront fees. You’ll only pay once you have paid off all of your debts.
They also don’t have high-cost fees as well. On average, you’ll have to pay between 20 and 20% of the debt you settled with them.
In general, this type of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debts within between 2 and 4 years. This varies depending on the amount that you are able to save each month.
They also claim that you could save up to 30% if you include their charges into your calculation.
However, this statement will vary, depending on your specific situation. Some customers even claimed to save 50% to 80percent.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. Furthermore they charge only a 20% fee while most companies charge you 25%.
Then, if you’re done with the debt settlement program you could join their credit restoration program.
It’s an excellent way to restore the credit rating without having to go in debt again. However, the program lasts in a different way for each individual, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also be looking into any violations of creditor with the assistance of their own experts.
Drawbacks of the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with your credit card. If you’re trying to increase your standing on credit scores, you could delay you from finishing your credit card debt.
CureDebt also doesn’t have a mobile app. While they do have a client website, it looks aged and simple. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not accredited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you resolve your debt without having to spend more for these types of services. Moreover their 20% service fee is cheaper than most firms that charge a 25% fee. There aren’t any upfront fees, and you will only have to pay the fee when the debt is settled.
Although they’ll give you an account so that you can track your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which would make it easier to monitor your progress. Mortgage Tax Relief Calculator
They do have a competent support staff and can be reached them, not only via emails but by phone or by submitting an electronic ticket. Mortgage Tax Relief Calculator
If credit card is a major problem, then we recommend CuraDebt’s service. Be sure to be qualified and that the services that they provide are offered in your state.
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FAQ Mortgage Tax Relief Calculator
How long does it take to complete the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the agreed settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt offers a program for tax relief that will help you with problems such as delinquent payroll tax issues and garnishments of wages.
What should I do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce your debt over time.
