Are you experiencing debt that has been increasing lately? Are you exhausted from trying various financial tips and advice but still have unsolved issues?
Maybe you’re here because you’ve already tried everything.
In most cases, the best way is to approach experts who can assist to resolve this issue.
CuraDebt is one of the most frequently contacted companies. A lot of customers have asked if they are able to help or help you get into more debt.
According to their clients, they can help you manage the majority of your debts so that you are able to take few things off of your mind.
However, for certain people, these claims are just too good to be true.
You might be looking for anything that can aid you in settling your debt. In this situation, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its benefits and drawbacks.
Before starting the review, you can 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 review. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Personal Reviews On Hiring Omni Financial Tax Relief Out Of Florida
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. However, they also offer other services that will assist you in becoming financially secure.
First of all, it begins with requesting a free savings estimate online. It is a completely private service and won’t be conducting a credit screening. With this estimate of savings, you will discover more about other options in your journey to debt-free.
This estimate of savings, which was mentioned previously, offers you an idea of your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you in navigating credit arbitration if you decide to sign up. Financial advisors may be able to assist you with your debt-free journey.
Following the debt settlement program, CuraDebt can be the agency to answer all of your creditors’ calls. They will also be the ones who will determine the terms of your settlement based on the status of your financial situation. In determining which option is the best to you, this could either be a lump sum settlement or an installment plan.
Additionally they will also be working with lenders to help you have better rates as you transfer money into your savings account, which is then processed to pay the creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
After you’ve registered with them, they’ll allow you access to your data 24/7. All you have to do is login to CuraDebts’ client portal so that you can monitor your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to satisfy their criteria first. To be eligible, you’ll have to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you?
Here are the various ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with debt. They are able to negotiate settlements on your behalf for most types of debt. They can help with medical bills, personal loans credit cards, and also line of credit. They are also able to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. However, you will not receive assistance with 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 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 debtors who are in violation so that you can have cash settlements, should it be possible. Certain violations could cause your debt to be also dismissed.
CuraDebt also allows you to repay debt for less than the amount you own. They also allow you to have questions answered during a free consult with their debt counselor.
The most appealing aspect 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 be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. 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 will be able to deal with different types of taxes like garnishments on wages and tax penalties, personal and corporate taxes, back taxes and trust fund penalties and tax lien.
There aren’t hidden fees neither are there hidden fees. They only offer flat-fee prices that is based on the amount you need to settle.
There are a variety of options for the settlement of 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 however, they do not offer all kinds in debt resolution. CuraDebt only focuses on debt that is not secured. They can’t assist you if your debt or loan is tied to an actual item.
If, however, you are in one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without any problems. Furthermore, this service is offered to all 50 states if you owe money to the IRS. They have federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt can also assist in settling your medical debt. In certain cases you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students negotiate any student loans that they are owed.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You may also be eligible the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards, CuraDebt will help you pay it off.
What is the cost?
The best part about CuraDebt is how they’ve priced their services. They do not charge an upfront cost. Only pay when you settle each of your debts.
Also, they don’t charge high fees as well. In the average, you’ll need to pay up to 20 percent of the debt that you settled through 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. However, this also varies according to the amount you can save up per month.
Also, they claim you can save as much as 30% by incorporating their fees in your equation.
However, the claim may vary, depending on your situation. Some customers even claimed to save between 50% and 80%.
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Benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt can provide, let’s look into the advantages from using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Furthermore, they only charge an amount of 20%, while many companies charge 25 percent.
If you’re finished with the debt settlement program you can join their credit restoration program.
It’s an excellent option to rebuild your credit without having to go in debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can help with settlements and negotiations. It means that your debt won’t inflate over time. They’ll also look into any violations by creditors with the help of their own experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with the credit card you use. So if you’re trying to build a better credit score, it could set you back while you’re getting rid of your debt.
CureDebt does not offer a mobile application. While they have a website that clients can access however, it appears aged and simple. It’s not very intuitive, and it can be difficult to navigate.
In addition, they’re not accredited with an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to pay off your debts without spending more on those types of services. Moreover their 20% service charge is cheaper than most companies that offer the 25% cost. There are no upfront payments, and you will only be required to pay once the debt is paid off.
Although they’ll allow you to access an account to see your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app that will make it easier to look at your progression.
But, they do have a good support team that you can contact them, not only via emails but also by phone or submitting an electronic ticket. Personal Reviews On Hiring Omni Financial Tax Relief Out Of Florida
If your debt is a big problem, then we strongly recommend CuraDebt’s debt management program. Be sure to be eligible and that the programs that they provide are offered in your state.
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FAQ Personal Reviews On Hiring Omni Financial Tax Relief Out Of Florida
What is the time frame to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt aid with tax problems in the state?
Yes, CuraDebt provides tax relief programs that can help you with problems like delinquent tax issues and garnishments on wages.
What should I do once I’m in the program?
You’ll be required to communicate with the team and make the necessary payments to lower your debt over time.
