Has your debt been piling up lately? Are you tired of trying other financial advice and strategies but still have unsolved issues?
Maybe you’re here because already tried everything.
In the majority of cases, your best way is to approach professionals that can help to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people are asking if they can help you or put you in more debt.
According to their clients they can help you control 80% of your debt , so you can take few things off of your plate.
However, for certain people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. In that case, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of how CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before starting the review, you can go to this video for a more relaxing way for it to be watched.
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 review. After, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Nonprofit Tax Debt Relief Service
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is 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 imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most popular feature. But they offer other services that will help you be more financially secure.
It all starts by requesting a no-cost online savings estimate. The service is completely confidential, and they won’t conduct a credit inquiry. With this savings estimate you’ll be able to be able to learn more about the options to debt-free.
Savings estimates, as mentioned before, gives you the opportunity to consider your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to help you with credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you with your debt-free journey.
Following your debt settlement plan, CuraDebt is the company to answer all of the calls from your creditors. They will also be the ones that will determine the terms of your settlement based on the status of your finances. Depending on which works best for you, it can be either a lump sum settlement or a payment plan.
Moreover they will be working with the creditors to ensure that you get better rates when you make deposits to your savings account, which is then processed to pay creditors. Their plans can help you get rid of debt in just the period of 48 months.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you have to do is log in to CuraDebts Client Portal to track 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. To be eligible, you’ll have to be:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the various ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. These include personal loans, medical bills credit cards and also lines of credit. They can also be approached to help settle any remaining amount on business debts, collections, or repossessions.
They may even assist you in negotiating for back taxes as well as IRS debt. However, you will not receive support for most cases, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation in order to get cash settlements, should it be possible. Certain violations may cause your debt to be removed as well.
CuraDebt also allows you to settle debt with less than the sum you have. They also allow you to inquire about your debt during their no-cost consultation with their debt counsellor.
The best part about their plan is that you’ll only have to pay for the charges once your debt is settled. All you have to sign up for any of the plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. After they have gathered all your financial documentation They will also gather all the documents you’ll require to file tax returns.
Through this program, you will be able to deal with different types of taxes like garnishments on wages, tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees neither are there hidden fees. They use only flat-fee pricing and is dependent on the amount you’ll must settle.
They offer different options when it comes to paying off 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 types of debt can they help you with?
Although they specialize in debt settlement, it is not their forte however, they do not offer all kinds in debt resolution. CuraDebt only focuses on unsecured debt. They won’t be able to help you if your credit or loan is tied to an actual item.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without difficulty. Furthermore, this service is available to all 50 states if you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some cases you might even be able to pay them less than the amount you owe.
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 owe.
Personal Loan
Personal loans and payday loans also qualify to be eligible for debt relief programs. You can also avail of the program if you also have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards, CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your debts.
Additionally, they do not charge high fees as well. In the average, you’ll need to pay up to 20% of the debt you settled with them.
In the average, this kind of industry charges between 15% and 25 percentage.
In addition, customers can expect to pay off their debts in between 2 and 4 years. But, it also differs according to the amount you can save up per month.
Additionally, they claim you can save up to 30% if you include their fees in your equation.
But this claim will also depend on your specific situation. Some customers have even talked about saving 50% to 80percent.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
The first is that CuraDebt only charges you once you’ve paid off your debt. In addition they charge only a 20% fee while the majority of companies charge 25%.
If you’re finished with the debt settlement program you can enroll in their credit repair program.
It’s a great way to restore the credit rating without going in debt again. However, the program runs different for every person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any violations of creditor using their own experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements often require you to stop paying with . Therefore, if you’re trying build a better standing on credit scores, you might cause you to delay getting rid of your debt.
CureDebt also doesn’t offer a mobile application. While they do have a website that clients can access but it’s aged and simple. It’s not particularly intuitive and could be difficult to navigate.
Moreover, they are still not accredited with the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you settle your debt without spending more for these types of services. Moreover their 20% service fee is less expensive than the majority of firms that charge an additional 25% charge. There is no upfront payment, and you will only have to pay the fee when the debt is settled.
While they’ll provide you with an account that allows you to track your progress but their website isn’t simple to navigate. CuraDebt does not have an app, which would make it easier to track your progression.
But, they do have a great support team, and you can reach them, not only via emails but also via phone or submitting an electronic ticket. Nonprofit Tax Debt Relief Service
If the debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they provide are in your state.
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FAQ Nonprofit Tax Debt Relief Service
How long will it take to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt and the stipulated settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt has a tax relief program that can assist you with issues such as delinquent payroll taxes and wage garnishments.
What do I need to do after joining the program?
You’ll need to constantly communicate with the team and pay the required payments to lower the amount of debt you have over time.
