Are you experiencing debt that has been increasing lately? Are you burnt out from trying other financial advice and tips but haven’t solved your problems?
Perhaps you’re here because you’ve tried everything.
In the majority of cases, your best way is to approach professionals that can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. A lot of people are asking if they can help you or put you in more debt.
According to their clients they can assist you in managing 80percent of your debt so that you are able to take few things off of your mind.
But for some people the claims seem too good to be true.
Suppose you’re on the lookout for any solution that could aid you in settling your debt. If that’s the case, CuraDebt will mostly be recommended by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude we’ll look at its advantages and drawbacks.
Before you begin the review, watch this video instead in case you would prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Ri Tax Relief For Students
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a member 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 imposed restrictions on their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. But they offer additional services to aid you in becoming more financially secure.
First of all, it begins with requesting a free online savings estimate. The service is completely confidential and won’t be conducting a credit screening. With this estimate of savings you’ll discover more about other options in your journey towards debt-free.
This estimate of savings, which was 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 help you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt will be the company to handle all of the calls from your creditors. They’ll also be the ones who determine the terms of your payment depending on the condition of your financial situation. Based on what works most effectively for you, it can be either a lump sum settlement or an installment plan.
Moreover they will also work with lenders to help you get better rates when you make deposits to your savings account, which in turn, will be processed to pay the creditors. The plans they offer can help you settle the debt within 48 months.
After you’ve registered with them, they’ll provide you with access to your account information 24 hours a day. All you have to do is login to CuraDebts’ client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll need to be:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can help you deal with debt. They are able to negotiate settlements on behalf of you for most types of debt. These include personal loans, medical bills credit cards, as well as loans. They can also be approached to settle any outstanding amount on business debts, collections, or repossessions.
They can even help negotiate with back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, government loans 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 in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations in order to get cash settlements, if possible. Certain violations could cause your debt to be removed as well.
CuraDebt lets you settle debt with less than the amount you have. Additionally, you can ask questions during their free consult with their debt counsellor.
The best part about the program is that you will only be charged after your debt has been settled. All you need to sign up for one of their plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents They will also gather all the documents you’ll require for tax returns.
Through this program, you will be able to deal with various tax issues such as garnishments on wages and tax penalties, personal and corporate taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs either. They only offer flat-fee prices that is based on the amount that you’ll have to pay.
They have different solutions for settling taxes. 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 types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialization however, they do not offer all kinds of settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to help you if the debt or loan is tied to an actual item.
However, if you have 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 difficulty. Furthermore, this service is offered to all 50 states in the event that you have a debt in arrears to IRS. There are federal tax experts who can assist you in resolving the issues.
Medical Debt
CuraDebt can also help resolve 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 the student loans they owe.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They don’t charge upfront fees. The only time you pay is when you have paid off all of your outstanding debts.
Also, they don’t charge high fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt you settled through them.
In the average, this kind of industry can charge anywhere between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. However, this also varies in relation to the amount you can save up per month.
Also, they claim that you can save up to 30% by incorporating their costs into your calculations.
But this claim will also differ based on the situation. Some customers have even talked about saving 50 to 80percent.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt can offer you Let’s take a look at the benefits of using CuraDebt.
First, CuraDebt is only charged when you’ve paid off your debt. In addition they charge only a 20% fee while most companies charge you 25 percent.
Then, if you’re done with the debt settlement program you may also sign up for their credit repair program.
It’s an excellent method to improve your credit score without having to go in debt again. However, the program lasts in a different way for each individual according to your personal situation.
Finally, CureDebt looks into your credit to assist with settlements and negotiations. This means your debt won’t increase as time passes. They’ll also investigate any creditor violations using their in-house experts.
Drawbacks of using CuraDebt
Let’s also look into some of the negatives of CuraDebt.
Debt relief and debt settlements usually require that you stop making payments using your credit card. Therefore, if you’re trying improve your standing on credit scores, you might delay you from finishing your debt.
CureDebt also doesn’t have a mobile app. Although they have a website for clients however, it appears outdated and basic. It’s not particularly intuitive and could 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 great program that lets you pay off your debts without spending more on these kinds of services. In addition, their 20% service fee is cheaper than most firms that charge a 25% fee. There aren’t any upfront fees and you’ll only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app yet, which could make it easier for you to track your progression.
They do have a competent support staff, and you can reach them not only through emails but also by phone or sending an electronic ticket. Ri Tax Relief For Students
If debt is a big problem, then we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services that they provide are offered in your state.
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FAQ Ri Tax Relief For Students
What is the time frame to complete the course?
The program typically takes 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt provides tax relief programs that will help you with problems such as delinquent payroll tax and garnishments on wages.
What should I do once I’m in 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.
