Have your debts been increasing lately? Are you exhausted from trying other financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through everything.
In the majority of cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. Many customers have asked if they can assist you or put you into more debt.
According to their clients they can help you manage 80% of your debt so that you can take couple of w
orries off your shoulders.
However, for certain people the claims seem too good to be true.
If you’re looking for any solution that could aid you in settling your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at the way CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before starting the review, watch this video instead if you 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 our article for a more comprehensive review.
About the Company Obama Signs Bill For Middle Class Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is the most popular feature. However, they also offer other services that will assist you in becoming financially secure.
The process begins with requesting a free savings estimate online. The service is completely confidential and won’t be conducting a credit screening. With this savings estimate, you will be able to learn more about the options to be debt-free.
Savings estimates, as we’ve mentioned before, gives you the opportunity to consider 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 the process of credit arbitration should you choose to join. Some financial advisors can help you with your debt-free journey.
Following the debt settlement program, CuraDebt is the company to handle all of your creditor’s calls. They will be the ones who negotiate the terms of your settlement depending on the condition of your finances. Depending on which works most effectively to you, this could be a lump-sum settlement or a payment plan.
Moreover they will work with lenders to help 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 pay off the debt in 48 months.
After you’ve signed up with them, they will give you access to your data 24/7. All you have to do is login to CuraDebts Client Portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to be:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They can negotiate settlements on your behalf for all kinds of debt. This includes medical bills, personal loans credit cards, as well as lines of credit. They are also able to pay off any remaining balance on business debt and collections or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. But, you won’t receive assistance for the majority of your lawsuits, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with 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 to ensure that you receive 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. Additionally, you can inquire about your debt during their no-cost meeting with their debt advisor.
The most appealing aspect of their program is that you only have to pay for the charges when your debt is paid off. All you need to do is sign up with one of their plans, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they collect all of your financial documentation and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
By using this program, you will be able to solve different types of taxes such as wage garnishments, tax penalties, personal and taxation for business as well as back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They have different solutions when it comes to paying off 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 can they assist you with?
Although they specialize in debt settlement, it is not their specialty, they don’t offer all kinds of debt settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if the loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without difficulty. Moreover, this type of service is available across all 50 states, if you owe money towards the IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some instances you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt does not offer Federal student loan. Still, they can help private students in negotiating any loans they are owed.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You may also be eligible of the program if you also have other unsecured credit lines that you have obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with 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 best part about CuraDebt is how the company has priced its services. They don’t charge upfront fees. You’ll only pay once you settle each of your outstanding debts.
They also don’t have high-cost costs either. In the average, you’ll need to pay between 20 and 20 percent of the debt that you settled with them.
In the average, this kind of industry can charge anywhere from 15% to 25 percent.
In addition, customers can expect to settle their debt from two to four years. But, it also differs in relation to the amount you are able to save each month.
Additionally, they claim you can save up to 30% when you factor in their charges into your calculation.
But this claim will also depend on your specific situation. Some customers have even talked about saving 50 to 80percent.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
The first is that CuraDebt only charges you when you’ve paid off your debt. Additionally they charge only a 20% fee while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program you could also sign up for their credit repair program.
It’s a fantastic method to improve your credit score without going back into debt. The program is however designed in a different way for each individual according to your personal situation.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also look into any violations by creditors with the assistance of their own experts.
The 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 . So if you’re trying to increase your credit score, it could delay you from working on your debt.
CureDebt does not have a mobile app available. Although they have a website for clients but it’s old and mundane. It’s not very intuitive, and it can be challenging to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you resolve your debt without having to spend more on these kinds of services. In addition, their 20% service charge is cheaper than most firms that charge an additional 25% charge. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account so that you can track your progress, their website is not easy to navigate. CuraDebt isn’t even an app that would make it easier to monitor your progress.
However, they have a great support team that you can contact them not just via email but also via phone or making an electronic ticket. Obama Signs Bill For Middle Class Tax Relief
If your debt is a big issue right now, we recommend CuraDebt’s service. Make sure you’re eligible and that the services they provide are in your area.
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FAQ Obama Signs Bill For Middle Class Tax Relief
What is the time frame to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt has a tax relief program that will aid you in dealing with problems such as late payroll taxes and garnishments on wages.
What do I need to do once I’m in the program?
You’ll be required to communicate with the team and pay the required payments to lower your debt over time.
