Have your debts been piling up lately? Are you exhausted from trying different financial tips and advice but still have unsolved issues?
Maybe you’re here because you’ve been through everything.
In most cases, the most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they are able to help or put you into more debt.
According to their clients, they can help you manage 80percent of your debt so that you can finally take a couple of w
orries off your mind.
But for some people they believe these claims are too good to be true.
If you’re looking for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of the way CuraDebt works and what problems it can help you solve.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, you can watch this video instead for a more relaxing way 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. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Nys Family Tax Relief Credit Federal Return
CuraDebt is a company that provides debt relief 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 has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. But they offer other services that can help you be more financially secure.
First of all, it starts by requesting a no-cost online savings estimate. It is a completely private service and they will not be doing a credit check. With this estimate of savings you’ll be able to learn more about the alternatives towards debt-free.
Savings estimates, which was mentioned before, gives you the opportunity to consider your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you with credit arbitration if you decide to enroll. Some financial advisors can help you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the one to take care of all your creditor’s calls. They’ll be the ones who will negotiate conditions of the settlement based on the status of your finances. In determining which option is the most effectively to you, this can either be a lump sum settlement or a payment plan.
Additionally, they will work with creditors to ensure that you get better rates when you deposit money to your savings account. This in turn, will be processed to pay the creditors. Their programs can assist you to get rid of debt in just two years.
After you’ve registered with them, they’ll give you access to your information 24/7. All you need to do is log in to CuraDebts’ client portal to monitor your progress.
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll need to be:
- At least 21 years old
- Verifiable income
- Have a minimum debt of $5,000
What can they help you with?
Here are the different ways CuraDebt can aid you.
As their name suggests, CuraDebt can help you deal with your debt. They are able to negotiate settlements on behalf of you for most types of debt. They can help with medical bills, personal loans credit cards, and lines of credit. You can also approach them to pay off any remaining amount on business debts, collections, or repossessions.
They can even help negotiate on tax owed as well as IRS debt. However, you won’t get assistance with the majority cases, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if possible. Some violations can also lead to having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the sum you have. You can also have questions answered during a free meeting with their debt counsellor.
The greatest benefit of their program is that you’ll only be charged once your debt is settled. All you need 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 taxes. Once they’ve gathered all your financial documents, they will also collect all the necessary paperwork for tax returns.
By using this program, you should be able to resolve various tax issues such as garnishments on wages and tax penalties, personal and corporate taxes as well as back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges neither are there hidden fees. They use only flat-fee pricing and is dependent on the amount you’ll need to settle.
There are a variety of options in 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 assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They can’t help you if the debt or loan is tied to an actual item.
However, if you have the following types of debt, they’ll negotiate settlements on your behalf.
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Moreover, this type of service is accessible to all 50 states if you owe money towards the IRS. They have federal tax experts that can help you resolve these kinds of problems.
CuraDebt can also help resolve any medical-related debt. In some cases you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students with negotiating any student loans that they owe.
Payday loans and personal loans also qualify as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines you obtained from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt can assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt is how they’ve priced their services. They do not charge an upfront cost. Only pay when you’ve paid each of your debts.
They also don’t charge high costs either. On average, you’ll have to pay between 20 and 20% of the debt you settled through them.
On average, this type of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debts within two to four years. However, this also varies according to the amount you can save up per month.
Also, they claim that you could save as much as 30% by incorporating their costs into your calculations.
However, the claim may differ based on your specific situation. Some clients even mentioned saving 50% to up to 80%.
Benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Additionally they only charge an amount of 20%, while most companies charge you 25 percent.
If you’re finished by the program for debt relief you could join their credit restoration program.
It’s an excellent option to rebuild the credit rating without going back into debt. However, the program lasts differently for each person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also investigate any violations by creditors with the help of their own experts.
The drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to cease making payments with your credit card. So if you’re trying to increase your credit score, it may delay you from getting rid of your obligations.
CureDebt does not have a mobile app available. While they have a website for clients, it looks aged and simple. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not recognized by the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to settle your debt without spending more on those types of services. Moreover their 20% service cost is lower than many companies that offer the 25% cost. There are no upfront payments and you’ll only have to pay when the debt is paid off.
Although they’ll give you an account that allows you to track your progress, their website is not simple to navigate. CuraDebt does not have an app, which could make it easier for you to look at your progression.
They do have a great support team that you can contact them not just via email but also via phone or submitting an electronic ticket. Nys Family Tax Relief Credit Federal Return
If problem of debt is an problem right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the services they provide are in your state.
FAQ Nys Family Tax Relief Credit Federal Return
What is the time frame 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 aid with tax problems in the state?
Yes, CuraDebt offers a program for tax relief that will assist you with issues like delinquent tax issues and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with your team members and pay the required payments to reduce the amount of debt you have over time.