Are you experiencing debt that has been piling up lately? Are you exhausted from trying various financial advice and strategies but haven’t solved your problems?
Maybe 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 to resolve this issue.
CuraDebt is among the companies that get the most inquiries. A lot of customers have asked if they are able to help or put you in more debt.
According to their clients they can help you manage the majority of your debt so that you can finally take a couple of things off your shoulders.
But for some people the claims seem too good to be true.
You might be looking for something that will aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep look at how CuraDebt operates and what issues it can help you solve.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before beginning the review, watch this video instead if you prefer to watch 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 will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Relief News Tax
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is an active part of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. However, they also offer additional services to assist you in becoming financially secure.
The process begins with requesting a free savings estimate online. The service is completely confidential and they will not be doing a credit check. With this savings estimate, you will learn more about your alternatives towards debt-free.
The savings estimate, which was mentioned before, gives you an idea of your choices regardless of whether you’re planning to continue 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 sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt can be the one to take care of all your creditor’s calls. They’ll be the ones who determine conditions of the settlement in accordance with the state of your finances. Depending on which works most effectively for you, it can be a lump-sum settlement or a payment plan.
Additionally, they will be working with the creditors so that you can have better rates as you make deposits to your savings account. This in turn, will be processed to pay back creditors. Their programs can assist you to settle the debt within two years.
After you’ve signed up with them, they will give you access to your information 24/7. All you have to do is log in to CuraDebts the client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they help you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on your behalf for the majority of types of debt. These include medical bills, personal loans credit cards and also lines of credit. You can also approach them to settle any outstanding balance of business debt collection, repossessions, or collections.
They may even assist you in negotiating on tax owed as well as IRS debt. However, you won’t get assistance for the majority of your lawsuits, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you with laws like 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 so that you can have cash settlements, if they are possible. Certain violations may cause your debt to be also dismissed.
CuraDebt can also help you settle debt with less than the amount you own. They also allow you to ask questions during their free consultation with their debt counselor.
The most appealing aspect of the program is that you will only pay the fees when your debt is paid off. All you have to sign up for some of their programs and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require for tax returns.
By using this program, you should be able to resolve various tax issues like garnishments on wages and tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices and is dependent on the amount that you’ll have to pay.
They offer different options for settling the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kind of debt can they help you with?
Although debt settlement is their specialization but they aren’t able to cater to all types of debt settlement. CuraDebt concentrates on unsecured debt. They can’t help you if your credit or loan is tied to an actual item.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to settle your past-due tax debts without any issues. Additionally, this service is available to all 50 states in the event that you have a debt to the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some cases, you may even pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. However, they can assist private students with negotiating any student loans that they have to pay.
Personal Loan
Personal and payday loans are also eligible for the debt settlement program. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards or private label credit cards, CuraDebt will help you pay it off.
What will it cost you?
The greatest thing about CuraDebt’s pricing is how they’ve priced their service. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your debts.
They also don’t charge high charges either. On average, you’ll be required to pay between 20 and 20% of the debt you settled through them.
In general, this type of industry can charge anywhere between 15% and 25 percent.
Additionally, customers can anticipate to settle their debts within two to four years. This varies according to the amount you are able to save each month.
Also, they claim that you could save up to 30% if you include their costs into your calculations.
However, this statement will depend on your situation. Some customers have even talked about saving 50 to 80%.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, let’s look into the advantages from using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. Furthermore they only charge an amount of 20%, while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program you may join their credit repair program.
It’s a great option to rebuild the credit rating without having to go back into debt. However, the program lasts different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. So, your debt won’t increase as time passes. They’ll also look into any creditor violations using their in-house experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with the credit card you use. If you’re trying to increase your credit score, it may set you back while you’re getting rid of your debt.
CureDebt does not have a mobile app. Although they have a client website however, it appears old and mundane. It’s not very intuitive, and it can be difficult to navigate.
Furthermore, they are not accredited with an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more for these types of services. In addition their 20% service charge is cheaper than most firms that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when the debt is paid off.
While they’ll provide you with an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app, which will make it easier to look at your performance. Relief News Tax
However, they have a great support team, and you can reach them not only through emails but by phone or by submitting an electronic ticket. Relief News Tax
If debt is a big problem right now, we recommend CuraDebt’s service. Be sure to be qualified and that the services they offer are available in your area.
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FAQ Relief News Tax
How long does it take to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as your stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
Sure, CuraDebt provides tax relief programs that will aid you in dealing with problems such as delinquent payroll tax issues and garnishments on wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to pay down the amount of debt you have over time.
