Has your debt been increasing lately? Are you exhausted from trying different financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve tried everything.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is one of the most asked companies. A lot of people are asking if they can help you or help you get into more debt.
According to their customers, they can assist you in managing 80percent of your debt so that you can finally take a couple of things off your shoulders.
However, for certain people, these claims are just too good to be true.
If you’re looking for any solution that could help you resolve your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at the way CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before you begin the review, watch this video instead if you prefer to watch it.
Otherwise, let’s begin.
Before you go on, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Review Curadebt
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most known feature. However, they also offer additional services to aid you in becoming more financially secure.
The process begins with requesting a free savings estimate on the internet. The service is completely confidential and they will not be doing a credit check. By using this estimate of savings, you will learn more about your other options in your journey to debt-free.
The savings estimate, as we’ve mentioned before, gives you an idea of your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you with your debt-free journey.
After your debt settlement program is completed, CuraDebt is the agency to take care of all your creditors’ calls. They will be the ones who negotiate what you will pay for your payment based on the status of your financial situation. In determining which option is the most effectively for you, it can be a lump-sum settlement or a payment plan.
Additionally they will also work with creditors to ensure that you enjoy better rates when you make deposits to your savings account, which in turn, will process to pay off creditors. Their plans can help you pay off the debt in two years.
After you’ve signed up with them, they will allow you access to your information 24/7. All you have 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 can avail of 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
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans, credit cards as well as lines of credit. They are also able to pay off any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. But, you won’t receive assistance for the majority of your lawsuits, loans from the government or collateral, as well as utility bills. The same goes for student loans.
On the contrary, they’ll 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 the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations could lead to having your debts also dismissed.
CuraDebt also allows you to repay debt for less than the amount you have. Additionally, you can have questions answered during a free meeting with their debt counselor.
The greatest benefit of the program is that you will only have to pay for the charges after your debt has been settled. All you have to sign up for some of their programs, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial records They will also gather all the documents you’ll require for tax returns.
Through this program, you should be able to solve different types of taxes like garnishments on wages as well as tax penalties for personal and business taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t hidden fees also. They only offer flat-fee prices that is based on the amount that you’ll must settle.
They offer different options when it comes to paying off the tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt can they assist you with?
While debt settlement is their forte but they aren’t able to provide all kinds in debt resolution. CuraDebt concentrates on unsecured debt. They can’t help you if the debt or loan is tied to a physical item.
If, however, you are in the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Moreover, this type of service is available across all 50 states, if you have a debt towards the IRS. There are federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some instances you could even settle them less than the amount you are owed.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. They can however assist private students in negotiating any loans they owe.
Personal Loan
Personal and payday loans also qualify for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The best part about CuraDebt is how they’ve priced their service. They don’t charge an upfront fee. Only pay when you’ve paid each of your outstanding debts.
Also, they don’t have high-cost costs either. In the average, you’ll need to pay as much as 20 percent of the debt you settled through them.
In general, this type of industry charges between 15% and 25%.
Moreover, clients can expect to settle their debts within between 2 and 4 years. This varies according to the amount you save per month.
They also claim that you could save as much as 30% when you factor in their costs into your calculations.
However, this statement will differ based on your situation. Some clients even mentioned saving 50% to 80%.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt offers, Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. In addition they charge only an amount of 20%, while most companies charge you 25 percent.
Then, if you’re done in the process of debt resolution you may join their credit repair program.
It’s a fantastic option to rebuild your credit without having to go in debt again. However, the program runs different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. So, your debt won’t increase over time. They’ll also investigate any violations of creditor with the help of their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with your credit card. Therefore, if you’re trying build a better standing on credit scores, you could cause you to delay working on your credit card debt.
CureDebt also doesn’t have a mobile app available. While they do have a website for clients, it looks outdated and basic. It’s not very intuitive, and it can be challenging to navigate.
Moreover, they are still not accredited with their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a useful program that allows you to pay off your debts without spending more on those types of services. In addition the 20% service charge is cheaper than most firms that charge an additional 25% charge. There is no upfront payment and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account to see your progress however, their website isn’t easy to navigate. CuraDebt does not have an app, which could make it easier for you to track your performance.
They do have a great support team that you can contact them not just via email but also via phone or making an e-ticket. Review Curadebt
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the services they offer are available in your state.
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FAQ Review Curadebt
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 the agreed settlement.
Can CuraDebt help in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs that can aid you in dealing with problems like delinquent tax and garnishments on wages.
What should I do once I’m in the program?
You’ll have to keep in constant contact with the team and pay the required payments to lower the amount of debt you have over time.
