Are you experiencing debt that has been increasing lately? Are you exhausted from trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because you’ve already tried every thing.
In most cases, the best way is to approach professionals that can help you settle this issue.
CuraDebt is among the companies that get the most inquiries. A lot of people are asking if they are able to help or put you in more debt.
According to their customers, they can help you manage 80% of your debts so that you are able to take few things off of your mind.
But for some 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 case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of the way CuraDebt works and what problems it can solve for you.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, check out this video instead in case you would prefer to watch 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.
About the Company Section 6409 Middle Class Tax Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What can CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. However, they also offer additional services to aid you in becoming more financially stable.
First of all, it begins with requesting a free savings estimate online. It is a completely private service and won’t be doing a credit check. With this estimate of savings you’ll be able to be able to learn more about the alternatives to be debt-free.
The savings estimate, as mentioned before, gives you the opportunity to consider your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to help you with credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement plan, CuraDebt can be the agency to handle all of the calls from your creditors. They’ll also be the ones that will determine what you will pay for your settlement depending on the condition of your financial situation. Depending on which works most effectively your situation, the payment can be either a lump sum settlement or a payment plan.
Additionally they will also be working with the lenders to help you get better rates when you make deposits to your savings account. This in turn, will be processed to pay back creditors. Their programs can assist you to settle the debt within the period of 48 months.
Once you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you have to do is sign in to CuraDebts’ client portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt can help you deal with debt. They can negotiate settlements on behalf of you for all kinds of debt. This includes medical bills, personal loans credit cards, as well as line of credit. You can also approach them to pay off any remaining balance of business debt and collections or repossessions.
They may also assist in negotiating for back taxes and IRS debt. However, you will not receive support for most claims, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will 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 in order to get cash settlements, should it be possible. Certain violations could cause your debt to be removed as well.
CuraDebt can also help you repay debt for less than the amount you own. They also allow you to inquire about your debt during their no-cost consultation with their debt counsellor.
The best part about the program is that you’ll only have to pay for the charges after your debt has been settled. All you need to sign up for any of the plans, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial documents, they will also collect all the paperwork you’ll need to file tax returns.
Through this program, you’ll be able to solve various tax issues like wage garnishments and tax penalties, personal and business taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges also. They only offer flat-fee prices and is dependent on the amount you must settle.
There are a variety of options for paying off your tax debt. Here are six 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 help you with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to cater to all types of debt settlement. CuraDebt concentrates on debt that is not secured. They can’t assist you if your debt or loan is tied to an actual item.
If, however, you are in 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. Moreover, this type of service is available across all 50 states, if you have a debt towards the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases you could even settle the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. They can however assist private students negotiate any student loans that they have to pay.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You can also avail of the program if you also have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, as well as private label credit card, CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt is the way the company has priced its services. They don’t charge an upfront fee. Only pay when you’ve paid each of your debts.
Also, they don’t have high-cost fees as well. On average, you’ll have to pay up to 20 percent of the debt you settled with them.
On average, this type of industry charges between 15% and 25 percentage.
Moreover, clients can expect to settle their debt from between 2 and 4 years. But, it also differs depending on the amount that you are able to save each month.
They also claim you can save as much as 30% if you include their fees in your equation.
However, this statement will vary, depending on your situation. Some customers even claimed to save between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of the benefits CuraDebt can offer you let’s look into the advantages that come with using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. In addition they only charge a 20% fee while many companies charge 25%.
Next, if you’re done in the process of debt resolution you can enroll in their credit restoration program.
It’s a fantastic way to restore your credit without having to go back into debt. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that your debt won’t increase over time. They’ll also be looking into any violations by creditors with the help of their own experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief usually require that you cease making payments with . So if you’re trying to build a better standing on credit scores, you might cause you to delay finishing your credit card debt.
CureDebt does not have a mobile app available. While they have a website for clients but it’s aged and simple. It’s not particularly intuitive and could be challenging to navigate.
In addition, they’re not recognized by the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that lets you settle your debt without spending more on those types of services. Moreover, their 20% service charge is less expensive than the majority of businesses that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay when the debt is settled.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app, which could make it easier for you to track your performance.
They do have a competent support staff and can be reached them, not only via emails but also by phone or sending an electronic ticket. Section 6409 Middle Class Tax Relief
If debt is a big issue right now, we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your state.
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FAQ Section 6409 Middle Class Tax Relief
What is the time frame to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt help with tax problems in the state?
It is true that CuraDebt provides tax relief programs to aid you in dealing with problems such as late payroll tax issues and wage garnishments.
What do I need to do when I’m enrolled in the program?
You’ll be required to communicate with the team and make the necessary payments to lower your debt over time.
