Has your debt been piling up lately? Are you exhausted from trying other financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, the best option is to speak with experts who can assist you settle this issue.
CuraDebt is one of the companies that get the most inquiries. Many people are asking if they can help you or put you into more debt.
According to their customers, they can assist you in managing 80percent of your debt , so you can finally take a couple of w
orries off your plate.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. In that situation, CuraDebt will mostly be suggested by people. We’ll take a deeper look at how CuraDebt is used and the problems it can solve for you.
Moreover, before we end, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can watch this video instead in case you would prefer watching 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 review. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Reviews For Champion Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best popular feature. However, they also offer additional services to aid you in becoming more financially secure.
It all begins with requesting a free online savings estimate. It is a completely private service and won’t be conducting a credit screening. With this estimate of savings, you will be able to learn more about the alternatives to be debt-free.
The savings estimate, as mentioned previously, offers you an insight into your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you with your debt-free journey.
Following your debt settlement program, CuraDebt is the one to handle all of your creditor’s calls. They’ll also be the ones that will negotiate conditions of the settlement in accordance with the state of your finances. Based on what works best for you, it can be a lump-sum settlement or an installment plan.
Moreover they will be working with the creditors so that you can get better rates when you deposit money to your savings account. This, in turn, will be processed to pay the creditors. The plans they offer can help you pay off the debt in two years.
After you’ve signed up with them, they will provide you with access to your data 24/7. All you need to do is log in to CuraDebts Client Portal to track your performance.
Before you can avail of their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to be:
- At least 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What can they help you?
Here are the various ways CuraDebt can aid you.
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. They can help with personal loans, medical bills credit cards, and also loans. They are also able to pay off any remaining amount on business debts and collections or repossessions.
They can even help negotiate on tax owed and IRS debt. However, you will not receive assistance for the majority cases, government loans or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll help you use 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 to ensure that you receive cash settlements, should it be possible. Certain violations may result in having your debts also dismissed.
CuraDebt lets you pay off debts with less than the amount you have. Additionally, you can inquire about your debt during their no-cost meeting with their debt counselor.
The best part about their program is that you’ll only pay the fees when your debt is paid off. All you have to sign up for one of their plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they collect all of your financial documentation, they will also collect all the documents you’ll require for tax returns.
By using this program, you will be able to deal with the various types of tax problems like wage garnishments as well as tax penalties for personal and corporate taxes as well as back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs also. They use only flat-fee pricing, which depends on the amount you’ll need to settle.
They have different solutions when it comes to paying off your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kind of debt are they able to help with?
While debt settlement is their specialty but they aren’t able to cater to all types of debt settlement. CuraDebt only focuses on unsecured debt. They can’t assist you if your loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they’ll make arrangements for settlements.
With CuraDebt the service, you’ll be able pay off your past-due tax debts without difficulty. Moreover, this type of service is offered across all 50 states, if you have a debt in arrears to IRS. They have federal tax experts that can help you resolve these kinds of problems.
CuraDebt can also assist in settling any medical-related debt. In some cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. They can however assist private students negotiate any loans they have to pay.
Personal loans and payday loans are also eligible as debt-settling programs. You may also be eligible of the program if you also 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 help you pay it off.
What will it cost you?
The best part about CuraDebt is how the company has priced its services. They do not charge an upfront cost. You’ll only pay once you’ve paid each of your outstanding debts.
They also don’t have high-cost charges either. In the average, you’ll need to pay up to 20 percent of the debt you settled through them.
In the average, this kind of business can cost anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debt from between 2 and 4 years. This varies according to the amount you are able to save each month.
They also claim you can save as much as 30% if you include their charges into your calculation.
But this claim will also differ based on your situation. Some customers even claimed to save 50 to 80%.
Benefits of using CuraDebt
Once you’ve got a clearer picture of the benefits CuraDebt offers, let’s look into the advantages that come with using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Additionally they charge only an amount of 20%, while most companies charge you 25 percent.
Then, if you’re done by the program for debt relief, you may enroll in their credit repair program.
It’s a fantastic method to improve the credit rating without having to go in 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 debt so that they can help with settlements and negotiations. This means your debt won’t inflate over time. They’ll also look into any violations by creditors with the help of their experts in-house.
The drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you cease making payments with . So if you’re trying to increase your credit score, it could delay you from working on your credit card debt.
CureDebt also doesn’t offer a mobile application. While they have a website for clients but it’s aged and simple. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not recognized by 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 the 20% service fee is cheaper than most companies that offer an additional 25% charge. There is no upfront payment, and you will only have to pay when 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 isn’t even an app, which could make it easier for you to look at your progress.
However, they have a great support team that you can contact them not just via email but also via phone or submitting an e-ticket. Reviews For Champion Tax Relief
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs that they provide are offered in your state.
FAQ Reviews For Champion Tax Relief
How long does it take to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as the agreement on the settlement.
Can CuraDebt assist in the fight against state tax issues?
Yes, CuraDebt offers a program for tax relief that will help you with problems such as late payroll tax issues and garnishments of wages.
What should I do after joining the program?
You’ll have to keep in constant contact with your team members and pay the required payments to lower your debt over time.