Are you experiencing debt that has been piling up lately? Are you burnt out from trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the best way is to approach professionals that can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. A lot of customers have asked if they are able to help or put you into more debt.
According to their customers, they can help you control the majority of your debts so that you are able to take few things off of your plate.
However, for certain people the claims seem too good to be true.
Suppose you’re on the lookout 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 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 advantages and drawbacks.
Before beginning the review, you can go to this video in case you would prefer for it to be watched.
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 review. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Never Received My Tax Relief Refund
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has since become a participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. But they offer other services that will assist you in becoming financially secure.
It all begins by requesting a free savings estimate online. This service is very confidential and won’t conduct a credit inquiry. By using this estimate of savings, you will discover more about other options in your journey to debt-free.
The savings estimate, as mentioned before, gives you an idea of your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program, CuraDebt is the one to take care of all the calls from your creditors. They will be the ones who will determine what you will pay for your payment depending on the condition of your finances. Depending on which works best your situation, the payment could either be a lump sum settlement or an installment plan.
Additionally, they will be working with the creditors to ensure that you get better rates when you transfer money into your savings account. This, in turn, will process to pay off the creditors. The plans they offer can help you settle the debt within two years.
After you’ve signed up with them, they’ll allow you access to your account information 24 hours a day. All you need to do is log in to CuraDebts’ client portal to track your progress.
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to meet the following requirements:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you?
Here are some of the ways CuraDebt can help you.
The name of the company suggests that CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf to settle most types of debt. These include personal loans, medical bills, credit cards and line of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They can even help negotiate with back taxes and IRS debt. But, you won’t receive assistance with the majority of your lawsuits, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they can help you use laws like 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, should it be possible. Certain violations may lead to having your debts also dismissed.
CuraDebt can also help you settle debt with less than the sum you have. You can also have questions answered during a free consultation with their debt advisor.
The best part about their plan is that you’ll only have to pay for the charges when your debt is paid off. All you have to sign up for any of the plans and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. After they have gathered all your financial documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
Through this program, you’ll be able to deal with various tax issues like wage garnishments, tax penalties, personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They use only flat-fee pricing that is based on the amount you’ll must settle.
There are a variety of options for settling your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What types of debt can they help you with?
Although debt settlement is their specialization but they aren’t able to offer 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, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt the service, you’ll be able pay off taxes that are due without any problems. Furthermore, this service is accessible across all 50 states, if you have a debt to the IRS. There are federal tax experts to assist you with these kinds of problems.
CuraDebt can also assist in settling any medical-related debt. In certain 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 the federal government’s student loan. However, they can assist private students with negotiating any loans they are owed.
Payday loans and personal loans also qualify as debt-settling programs. You can also avail if you have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your outstanding debts.
They also don’t charge high charges either. In the average, you’ll need to pay as much as 20% of the debt you settled with them.
On average, this type of industry charges from 15% to 25%.
Additionally, customers can anticipate to settle their debts within 2 to 4 years. But, it also differs according to the amount you are able to save each month.
Additionally, they claim you can save as much as 30% if you include their fees in your equation.
However, the claim may depend on your specific situation. Some customers even claimed to save 50% to 80%.
Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. In addition they only charge a 20% fee while most companies charge you 25 percent.
If you’re finished with the debt settlement program you can enroll in their credit restoration program.
It’s a fantastic option to rebuild the credit rating without going in debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also be looking into any creditor violations with the assistance of their own experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using your credit card. If you’re trying to build a better rating on your credit, this may set you back while you’re finishing your debt.
CureDebt also doesn’t offer a mobile application. While they do have a client website, it looks aged and simple. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not accredited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more for these types of services. In addition the 20% service cost is cheaper than most businesses that charge an additional 25% charge. There is no upfront payment and you’ll only have to pay the fee when the debt is paid off.
Although they’ll give you an account that allows you to track your progress but their website isn’t user-friendly. CuraDebt also doesn’t have an app, which would make it easier to look at your performance.
They do have a good support team and can be reached them not just via email but by phone or by submitting an e-ticket. Never Received My Tax Relief Refund
If your credit card is a major problem, then we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services they offer are available in your state.
FAQ Never Received My Tax Relief Refund
What is the time frame to complete the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt has a tax relief program that will help you with problems like delinquent tax issues and garnishments on wages.
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 reduce your debt over time.