Are you experiencing debt that has increased lately? Are you burnt out from trying different financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through every thing.
In most cases, the best option is to speak with experts who can assist you resolve the issue.
CuraDebt is one of the companies that get the most inquiries. A lot of people have been inquiring whether they can assist you or put you into more debt.
According to their clients, they can assist you in managing 80percent of your debts so that you can finally take a few things off of your mind.
However, for certain people, these claims are just too good to be true.
You might be looking for any solution that could assist you in paying off your debt. In that case, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it can solve for you.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, check out this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Opima 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 through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best well-known feature. However, they also offer other services that can assist you in becoming financially secure.
First of all, it begins by requesting a free online savings estimate. The service is completely confidential and they will not conduct a credit inquiry. With this savings estimate, you will discover more about alternatives to be debt-free.
This estimate of savings, which was 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 credit arbitration in the event that you decide to join. Financial advisors may be able to assist you with your debt-free journey.
After your debt settlement program, CuraDebt can be the one to handle all of the calls from your creditors. They’ll also be the ones who will determine the terms of your settlement depending on the condition of your finances. In determining which option is the best your situation, the payment could be either a lump sum settlement or a payment plan.
Additionally, they will work with creditors so that you can have better rates as you deposit money to your savings account. This, in turn, will process to pay back creditors. The plans they offer can help you settle the debt within the period of 48 months.
After you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans, credit cards and lines of credit. You can also approach them to pay off any remaining amount on business debts collection, repossessions, or collections.
They can even help negotiate on tax owed and IRS debt. But, you won’t receive assistance with the majority claims, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations to ensure that you receive cash settlements, should it be possible. Some violations can also lead to having your debts removed as well.
CuraDebt lets you settle debt with less than the sum you have. You can also have questions answered during a free consultation with their debt counsellor.
The best part about their program is that you only be charged when your debt is paid off. All you have to sign up for one of their plans, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial documents, they will also collect all the paperwork you’ll need for tax returns.
With this program, you should be able to resolve the various types of tax problems like wage garnishments as well as tax penalties for personal and taxation for business and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs also. They only offer flat-fee prices, which depends on the amount that you’ll must settle.
They have different solutions for the settlement of the tax debt. Here are 6 options:
- 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 debt settlement is their forte but they aren’t able to provide all kinds in debt resolution. CuraDebt only focuses on loans that are not secured. They won’t be able to assist you if your debt or loan is tied to a physical item.
However, if you have the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay your past-due tax debts without any issues. Moreover, this type of service is accessible to all 50 states in the event that you owe money in arrears to IRS. There are federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances you might even be able to pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. However, they can assist private students with negotiating any student loans that they have to pay.
Personal Loan
Personal loans and payday loans are also eligible as debt-settling programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from another financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card CuraDebt will assist you in paying it off.
What is the cost?
The best part about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. The only time you pay is when you’ve paid each of your debts.
They also don’t have high-cost charges either. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
In the average, this kind of business can cost anywhere from 15% to 25%.
Moreover, clients can expect to settle their debt from two to four years. This varies according to the amount you can save up per month.
They also claim that you could save as much as 30% by incorporating their costs into your calculations.
But this claim will also vary, depending on your situation. Some customers have even talked about saving 50 to up to 80%.
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Advantages to using CuraDebt
Now that you have a clearer picture of what CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
First, CuraDebt is only charged once you’ve paid off your debt. Furthermore, they only charge a 20% fee while the majority of companies charge 25 percent.
Next, if you’re done by the program for debt relief, you could enroll in their credit restoration program.
It’s a fantastic way to restore your credit without going back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to help with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also look into any creditor violations with the help of their own experts.
The drawbacks of using 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. Therefore, if you’re trying increase your standing on credit scores, you may delay you from getting rid of your obligations.
CureDebt does not have a mobile app available. Although they have a website that clients can access, it looks outdated and basic. It’s not very intuitive and could 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 good program that will allow you to pay off your debts without spending more for these types of services. Additionally, their 20% service fee is cheaper than most companies that offer a 25% fee. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account to see your progress however, their website isn’t simple to navigate. CuraDebt also doesn’t have an app, which could make it easier for you to monitor your performance.
They do have a competent support staff and can be reached them, not only via emails but also via phone or sending an e-ticket. Opima Tax Relief
If the debt is a big problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Opima Tax Relief
What is the time frame to complete the program?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt has a tax relief program to aid you in dealing with problems like delinquent tax issues and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll have to keep in constant contact with the team and pay the required payments to pay down your debt over time.
