Are you experiencing debt that has been piling up lately? Are you burnt out from trying other financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is one of the most asked companies. Many people are asking if they can assist you or help you get into more debt.
According to their clients, they can assist you in managing 80percent of your debts so that you can finally take a couple of things off your shoulders.
But for some people they believe these claims are too good to be true.
You might be looking for something that will help you resolve your debt. If that’s the situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of how CuraDebt works and what problems it could help solve.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can check out this video instead for a more relaxing way to watch 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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Optimum Tax Relief Office In Youngstown Ohio
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. However, they also offer additional services to aid you in becoming more financially stable.
It all begins with 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 learn more about your alternatives to be debt-free.
Savings estimates, as mentioned before, gives you an insight into your options, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you in navigating credit arbitration if you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following the debt settlement program, CuraDebt can be the company to handle all of the calls from your creditors. They will also be the ones who will determine the terms of your repayment depending on the condition of your financial situation. In determining which option is the best to you, this can either be a lump sum settlement or an installment plan.
Additionally they will also work with lenders to help you enjoy better rates when you transfer money into your savings account. This, in turn, will process to pay the creditors. The plans they offer can help you pay off the debt in the period of 48 months.
Once you’ve signed up with them, they’ll 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 development.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. For eligibility, you’ll have to be:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can assist you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on your behalf for most types of debt. These include personal loans, medical bills credit cards as well as lines of credit. You can also approach them to settle any outstanding balance on business debt collection, repossessions, or collections.
They may also assist in negotiating for back taxes as well as IRS debt. However, you will not receive support for most claims, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations in order to get cash settlements, if they are possible. Some violations can also result in having your debts removed as well.
CuraDebt can also help you repay debt for less than the sum you have. They also allow you to inquire about your debt during their no-cost consultation with their debt counselor.
The greatest benefit of their program is that you will only pay the fees once your debt is settled. All you need to sign up for one of their plans, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. 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 will be able to resolve various tax issues like garnishments on wages as well as tax penalties for personal and taxation for business as well as back taxes, trust fund penalties, and tax liens.
There aren’t any hidden charges also. They only use flat-fee pricing, which depends on the amount you’ll have to pay.
There are a variety of options for the settlement of the tax debt. Here are 6 of them:
- 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 forte but they aren’t able to cater to all types of settlement. CuraDebt is only focused on loans that are not secured. They won’t be able to help you if the loan or debt is linked to a physical item.
However, if you have the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to pay taxes that are due without any issues. Additionally, this service is offered to all 50 states in the event that you have a debt in arrears to IRS. There are federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. They can however assist private students in negotiating any loans they are owed.
Personal Loan
Personal loans and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program if you 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 or traditional credit cards and private-label credit cards CuraDebt can assist you in paying it off.
How much will it 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 have paid off all of your debts.
Additionally, they do not charge high fees as well. On average, you’ll be required to pay as much as 20 percent of the debt you settled with them.
In general, this type of industry charges from 15% to 25%.
Additionally, customers can anticipate to settle their debts within two to four years. But, it also differs in relation to the amount you save per month.
Additionally, they claim you can save as much as 30% by incorporating their charges into your calculation.
But this claim will also differ based on your specific situation. Some customers even claimed to save 50% to up to 80%.
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Benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Additionally, they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done in the process of debt resolution you can enroll in their credit restoration program.
It’s an excellent method to improve the credit rating without going into debt again. However, the program runs differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can help with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also look into any violations by creditors with the assistance of their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with your credit card. Therefore, if you’re trying increase your standing on credit scores, you may set you back while you’re finishing your credit card debt.
CureDebt does not have a mobile app. While they do have a client website, it looks outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to pay off your debts without spending more on these kinds of services. Additionally their 20% service fee is lower than many businesses that charge a 25% fee. There are no upfront payments, and you will only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app that would make it easier to look at your progression.
However, they have a competent support staff, and you can reach them not only through emails but also by phone or sending an electronic ticket. Optimum Tax Relief Office In Youngstown Ohio
If your debt is a big problem, then we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services that they provide are offered in your state.
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FAQ Optimum Tax Relief Office In Youngstown Ohio
How long does it take to complete the course?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt assist with state tax problems?
Yes, CuraDebt offers a program for tax relief that will assist you with issues such as late payroll tax issues and garnishments of wages.
What should I do once I’m in the program?
You’ll need to constantly communicate with your team members and pay the required payments to reduce your debt over time.
