Have your debts been piling up lately? Are you exhausted from trying different financial advice and tips but still have unsolved issues?
Perhaps you’re here because you’ve tried everything.
In most cases, the best option is to speak with experts who can assist you settle this issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they can assist you or put you in more debt.
According to their clients, they can help you control 80percent of your debt , so you can take few things off of your mind.
However, for certain people the claims seem too good to be true.
You might be looking for something that will help you resolve your debt. In that scenario, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of how CuraDebt works and what problems it can solve for you.
Moreover, before we end we’ll look at the advantages and disadvantages of this method.
Before starting the review, check out this video instead if you prefer for it to be watched.
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 will want to read the rest of our article for a more comprehensive review.
About the Company Personal Irs Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become 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, some states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is the most well-known feature. They also provide additional services to assist you in becoming financially secure.
First of all, it starts by requesting a no-cost savings estimate online. This service is very confidential and they will not conduct a credit inquiry. By using this estimate of savings, you will discover more about other options in your journey to be debt-free.
The savings estimate, as mentioned earlier, provides you with the opportunity to consider 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 join. Financial advisors may be able to assist you with your debt-free journey.
Following your debt settlement program is completed, CuraDebt will be the company to handle all of your creditor’s calls. They will also be the ones that determine what you will pay for your settlement depending on the condition of your financial situation. In determining which option is the most effectively for you, it could be either a lump sum settlement or an installment plan.
Moreover they will work with creditors to ensure that you enjoy better rates when you make deposits to your savings account. This is then processed to pay creditors. The plans they offer can help you settle the debt within 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 have to do is sign in to CuraDebts Client Portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they help you?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf for the majority of types of debt. This includes medical bills, personal loans credit cards and also lines of credit. They can also be approached to help settle any remaining amount on business debts and collections or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive support for most claims, loans from the government, collateral, and utility bills. The same goes for student loans.
On the other hand, they will assist you in navigating laws such as 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, if they are possible. Some violations can also lead to having your debts removed as well.
CuraDebt can also help you pay off debts with less than the sum you have. They also allow you to inquire about your debt during their no-cost consult with their debt counsellor.
The best part about their plan is that you only be charged after your debt has been settled. All you need to sign up to 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 the tax liabilities you have. Once they collect all of your financial documentation, they will also collect all the documents you’ll require to file tax returns.
By using this program, you should be able to resolve the various types of tax problems like garnishments on wages and tax penalties, personal and taxation for business as well as back taxes and trust fund penalties and tax liens.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices that is based on the amount you must settle.
They have different solutions in paying off your 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 kinds of debts can they assist you with?
While debt settlement is their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to help you if the credit or loan is tied to an actual item.
However, if you have the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without difficulty. Additionally, this service is available across all 50 states, if you have a debt towards the IRS. There are federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt will also help you resolve your medical debt. In certain cases, you may even pay them for less than what you have to pay.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. Still, they can help private students with negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You can also avail if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt will assist you in paying it off.
How much will it cost?
The greatest thing about CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. Only pay when you’ve paid each of your outstanding debts.
Also, they don’t charge high charges either. On average, you’ll have to pay up to 20% of the debt you settled through them.
On average, this type of industry can charge anywhere from 15% to 25 percent.
In addition, customers can expect to settle their debts within 2 to 4 years. But, it also differs depending on the amount that you are able to save each month.
They also claim that you can save as much as 30% by incorporating their fees in your equation.
However, this statement will depend on the situation. Some customers have even talked about saving 50% to up to 80%.
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Advantages to using CuraDebt
Once you’ve got an idea of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
First, CuraDebt only charges you after you’ve settled your debt. In addition they charge only 20% of the cost, whereas most companies charge you 25%.
Then, if you’re done in the process of debt resolution, you can join their credit repair program.
It’s an excellent way to restore your credit score without having to go into debt again. However, the program runs in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also look into any violations by creditors with the assistance of their in-house experts.
Drawbacks of the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using the credit card you use. If you’re trying to improve your standing on credit scores, you could delay you from getting rid of your credit card debt.
CureDebt does not offer a mobile application. While they have a website for clients, it looks outdated and basic. It’s not very intuitive and could be challenging to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to settle your debt without spending more on these kinds of services. Additionally the 20% service cost is lower than many firms that charge a 25% fee. There are no upfront payments, and you will only have to pay when the debt is paid off.
Although they’ll allow you to access an account to see your progress, their website is not easy to navigate. CuraDebt isn’t even an app that would make it easier to look at your progress.
However, they have a competent support staff that you can contact them, not only via emails but also via phone or making an electronic ticket. Personal Irs Tax Relief
If your debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be eligible and that the programs they provide are in your area.
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FAQ Personal Irs Tax Relief
How long does it take to complete the course?
The average program is 24 to 48 months, depending on the amount of your debt and the agreed settlement.
Can CuraDebt assist in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs to assist you with issues such as delinquent payroll tax and wage garnishments.
What should I do once I’m in 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.
