Has your debt increased lately? Are you tired of trying other financial advice and strategies but haven’t solved your problems?
Maybe you’re here because already tried everything.
In the majority of cases, the most effective approach is to talk to professionals that can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they are able to help or put you in more debt.
According to their clients they can help you manage 80percent of your debts so that you can finally take a few things off of your shoulders.
For some the claims seem too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll take a deeper study of how CuraDebt is used and the problems it can help you solve.
Moreover, before we end we’ll look at its benefits and drawbacks.
Before beginning the review, you can go to this video 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. After, you will want to read the rest of our article for a more comprehensive review.
About the Company School Tax Relief Illinois
CuraDebt is a debt relief company 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 has been accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. However, they also offer additional services to assist you in becoming financially stable.
It all begins by requesting a free online savings estimate. It is a completely private service and they will not be doing a credit check. With this estimate of savings you’ll discover more about other options in your journey to debt-free.
The savings estimate, as mentioned earlier, provides you with an idea of your options, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration if you decide to sign up. Some financial advisors can help you on your path to debt-free living.
Following your debt settlement plan, CuraDebt will be the company to take care of all your creditors’ calls. They’ll also be the ones who negotiate the terms of your repayment depending on the condition of your financial situation. Based on what works most effectively to you, this can either be a lump sum settlement or an installment plan.
Furthermore, they will be working with the creditors to ensure that you enjoy better rates when you make deposits to your savings account, which in turn, will process to pay creditors. Their programs can assist you to settle the debt within 48 months.
Once you’ve signed up with them, they’ll provide you with access to your data 24/7. All you need 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 benefit from the program, you’ll have to satisfy their criteria first. For eligibility, you’ll need to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are some of the ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with debt. They can negotiate settlements on behalf of you for the majority of types of debt. These include personal loans, medical bills credit cards and also loans. They can also be approached to settle any outstanding amount on business debts and collections or repossessions.
They may even assist you in negotiating with back taxes and IRS debt. However, you won’t get support for most of your lawsuits, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors so that you can have cash settlements, if possible. Certain violations may cause your debt to be removed as well.
CuraDebt can also help you settle debt with less than the sum you have. Additionally, you can inquire about your debt during their no-cost consult with their debt counselor.
The greatest benefit of the program is that you will only pay the fees once your debt is settled. All you need to do is sign up with one of their plans 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’ll be able to resolve various tax issues like garnishments on wages, tax penalties, personal and taxation for business and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden charges neither are there hidden fees. They only offer flat-fee prices, which depends on the amount that you’ll have to pay.
They offer different options in settling taxes. 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 kinds of debts can they assist you with?
Although debt settlement is their forte but they aren’t able to offer all kinds of debt settlement. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if your credit or loan is tied to an actual item.
If you do have the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able pay off your past-due tax debts without any issues. Furthermore, this service is offered to all 50 states in the event that you have a debt towards the IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some cases you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students with negotiating any loans they are owed.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. You may also be eligible the program if you have other unsecure credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards, CuraDebt can 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 settle each of your debts.
They also don’t have high-cost costs either. On average, you’ll be required to pay between 20 and 20 percent of the debt that you settled with them.
In general, this type of industry charges from 15% to 25 percent.
In addition, customers can expect to settle their debts within 2 to 4 years. But, it also differs according to the amount you are able to save each month.
Additionally, they claim that you could save up to 30% by incorporating their costs into your calculations.
However, this statement will differ based on your situation. Some customers have even talked about saving between 50% and up to 80%.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can provide, let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Furthermore, they only charge an amount of 20%, while many companies charge 25%.
Next, if you’re done by the program for debt relief, you could enroll in their credit restoration program.
It’s a great option to rebuild your credit without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also look into any creditor violations using their in-house experts.
The drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Settlement of debt and debt relief usually require that you stop making payments using the credit card you use. So if you’re trying to build a better rating on your credit, this could delay you from working on your credit card debt.
CureDebt does not offer a mobile application. Although they have a website that clients can access but it’s aged and simple. It’s not particularly intuitive and could be difficult to navigate.
In addition, they’re not accredited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that will allow you to resolve your debt without having to spend more on these kinds of services. In addition the 20% service charge is less expensive than the majority of firms that charge the 25% cost. There are no upfront payments and you’ll only have to pay when your debt is finally settled.
Although they’ll give you an account so that you can track your progress but their website isn’t user-friendly. CuraDebt also doesn’t have an app yet, which could make it easier for you to look at your performance.
But, they do have a competent support staff that you can contact them not only through emails but by phone or by submitting an electronic ticket. School Tax Relief Illinois
If the problem of debt is an problem right now, we recommend CuraDebt’s service. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ School Tax Relief Illinois
What is the time frame to complete the program?
The typical program lasts from 24 to 48 months, depending on the amount of your debt and the agreed settlement.
Can CuraDebt aid in the fight against state tax issues?
Sure, CuraDebt has a tax relief program that can aid you in dealing with problems such as delinquent payroll taxes 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 your debt over time.
