Have your debts been piling up lately? Are you tired of trying various financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, your best way is to approach experts who can assist you resolve the issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they are able to help or put you in more debt.
According to their clients they can help you manage 80percent of your debt so that you can take couple of w
orries off your mind.
However, for certain people, these claims are just too good to be true.
If you’re looking for something that will help you resolve your debt. In this scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at the way CuraDebt is used and the problems it can solve for you.
In addition, prior to our conclusion we’ll look at its benefits and drawbacks.
Before beginning the review, go to this video in case you would prefer watching it.
Otherwise, let’s begin.
Before you go on, 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 the article for a more comprehensive review of CuraDebt.
About the Company Sacramento County Tax Relief
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active 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, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is the most known feature. They also provide additional services to aid you in becoming more financially stable.
The process starts by requesting a no-cost online savings estimate. This service is very confidential, and they won’t be doing a credit check. With this savings estimate, you will be able to learn more about the other options in your journey to debt-free.
The savings estimate, as we’ve 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 and a team of support to assist you with credit arbitration in the event that you decide to enroll. Certain financial advisors can assist you with your debt-free journey.
After your debt settlement program, CuraDebt will be the one to answer all of your creditors’ calls. They’ll also be the ones who determine what you will pay for your settlement in accordance with the state of your financial situation. In determining which option is the best your situation, the payment can either be a lump sum settlement or the option of a payment plan.
Furthermore they will also work with lenders to help you enjoy better rates when you deposit money to your savings account. This in turn, will process to pay the creditors. Their plans can help you settle the debt within two years.
After you’ve signed up with them, they will 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.
Before you can avail of the program, you’ll have to satisfy their criteria first. To be eligible, you’ll need to be:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can help you.
As their name suggests, CuraDebt can help you deal your debt. They can negotiate settlements on your behalf for all kinds of debt. These include medical bills, personal loans credit cards, and also line of credit. You can also approach them to pay off any remaining amount on business debts and collections or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. But, you won’t receive assistance with the majority claims, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the other hand, they can help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find creditor violations so that you can have cash settlements, should it be possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the amount you have. Additionally, you can ask questions during their free consultation with their debt advisor.
The most appealing aspect of their program is that you will only have to pay for the charges after your debt has been settled. All you need to do is sign up with any of the plans, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents and tax documents, they’ll also collect all the paperwork you’ll need to file tax returns.
By using this program, you should be able to resolve various tax issues such as wage garnishments as well as tax penalties for personal and taxation for business as well as back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs also. They use only flat-fee pricing and is dependent on the amount you’ll must settle.
There are a variety of options in paying off taxes. Here are 6 options:
- 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?
Although they specialize in debt settlement, it is not their specialty however, they do not cater to all types in debt resolution. CuraDebt concentrates on unsecured debt. They can’t assist you if your loan or debt is linked to an item that is physical.
If you do have one of the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt the service, you’ll be able pay off your past-due tax debts without any issues. Furthermore, this service is accessible across all 50 states, if you have a debt towards the IRS. There are tax experts from the federal government that can help you resolve the issues.
CuraDebt can also assist in settling the medical bills. In some instances you might even be able to pay them less than the amount you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students in negotiating any student loans that they have to pay.
Payday loans and personal loans are also eligible as debt-settling programs. It is also possible to avail the program the program if you have other unsecure credit lines that you have obtained from an alternative 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 can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is how the company has priced its services. They do not charge an upfront cost. Only pay when you have paid off all of your outstanding debts.
They also don’t charge high charges either. On average, you’ll have to pay as much as 20% of the debt you settled through them.
In the average, this kind of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to pay off their debts in 2 to 4 years. This varies depending on the amount that you save per month.
They also claim that you could save up to 30% when you factor in their charges into your calculation.
But this claim will also vary, depending on your specific situation. Some clients even mentioned saving 50% to 80%.
Advantages to using CuraDebt
Now that you have an idea of what CuraDebt offers, let’s look into the advantages from using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Furthermore they charge only a 20% fee while the majority of companies charge 25 percent.
Then, if you’re done in the process of debt resolution you could also sign up for their credit restoration program.
It’s an excellent way to restore your credit without having to go back into debt. However, the program runs different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to help with settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also investigate any violations of creditor with the help of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using the credit card you use. So if you’re trying to build a better standing on credit scores, you could set you back while you’re finishing your debt.
CureDebt also doesn’t offer a mobile application. While they have a website for clients, it looks aged and simple. It’s not very intuitive, and it can be difficult 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 will allow you to resolve your debt without having to spend more on those types of services. Moreover the 20% service fee is lower than many businesses that charge an additional 25% charge. There are no upfront payments, and you will only have to pay when your debt is finally settled.
Although they’ll give you an account to see your progress but their website isn’t simple to navigate. CuraDebt does not have an app, which will make it easier to track your progression.
But, they do have a great support team, and you can reach them not only through emails but also by phone or submitting an e-ticket. Sacramento County Tax Relief
If debt is a big issue right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re qualified and that the services they provide are in your area.
FAQ Sacramento County Tax Relief
How long does it take to complete the course?
The average program is between 24 and 48 months depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt has a tax relief program that will assist you with issues such as delinquent payroll taxes and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to pay down the amount of debt you have over time.