Has your debt increased lately? Are you burnt out from trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because already tried everything.
In the majority of cases, your best option is to speak with experts who can assist you settle this issue.
CuraDebt is among the most frequently contacted companies. Many people are asking if they can assist you or put you into more debt.
According to their clients they can help you control 80% of your debt so that you can take few things off of your shoulders.
But for some people the claims seem too good to be true.
Suppose you’re on the lookout for anything that can aid you in settling your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at how CuraDebt operates and what issues it can help you solve.
Furthermore, before we conclude, we’ll also look into the advantages and disadvantages of this method.
Before starting 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 watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Seniors Tax Relief San Antonio Tx
CuraDebt is a debt relief company from 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 is accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, some 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. They also provide other services that will help you be more financially stable.
The process begins by requesting a free savings estimate on the internet. 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 alternatives towards debt-free.
This estimate of savings, as we’ve mentioned previously, offers you an idea of your options, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you with credit arbitration in the event that you decide to enroll. Certain financial advisors can assist you in your debt-free journey.
After your debt settlement program is completed, 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 repayment based on the status of your finances. Based on what works best to you, this can either be a lump sum settlement or the option of a payment plan.
Furthermore they will work with lenders to help you get better rates when you deposit money to your savings account, which in turn, will be processed to pay creditors. Their plans can help you settle the debt within 48 months.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to satisfy their criteria first. For eligibility, you’ll have to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They can negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans, credit cards and line of credit. You can also approach them to help settle any remaining balance of business debt collection, repossessions, or collections.
They may even assist you in negotiating for back taxes and IRS debt. However, you won’t get assistance for the majority of your lawsuits, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can 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 the violations of creditors so that you can have cash settlements, should it be possible. Some violations can also result in having your debts dismissed as well.
CuraDebt also allows you to repay debt for less than the sum you have. Additionally, you can inquire about your debt during their no-cost meeting with their debt advisor.
The best part about the program is that you will only pay the fees once your debt is settled. All you need to sign up to some of their programs and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. Once they’ve gathered all your financial documents They will also gather all the necessary paperwork to file tax returns.
With this program, you should be able to deal with different types of taxes such as garnishments on wages, tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax liens.
There aren’t hidden fees either. They only use flat-fee pricing and is dependent on the amount you’ll must settle.
There are a variety of options when it comes to the settlement of 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 kind of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialty however, they do not provide all kinds of debt settlement. CuraDebt concentrates on debt that is not secured. They can’t help you if the credit or loan is tied to a physical item.
If you do have one of the following kinds of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able pay off tax debts that were due to be paid without any problems. Additionally, this service is available to all 50 states if you have a debt to the IRS. They have federal tax experts that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases, you may even pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students negotiate any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You may also be eligible the program if you have other unsecure credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards, CuraDebt can assist you in paying it off.
How much will it cost?
The best part about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. The only time you pay is when you have paid off all of your debts.
Also, they do not charge high costs either. On average, you’ll be required to pay up to 20 percent of the debt that you settled with them.
On average, this type of business can cost anywhere between 15% and 25%.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. But, it also differs according to the amount you can save up per month.
Also, they claim you can save as much as 30% by incorporating their fees in your equation.
However, this statement will depend on your situation. Some clients even mentioned saving 50% to up to 80%.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt can offer you let’s explore the benefits from using CuraDebt.
In the beginning, CuraDebt only charges you when you’ve paid off your debt. Furthermore they only charge an amount of 20%, while the majority of companies charge 25%.
Then, if you’re done by the program for debt relief you may enroll in their credit restoration program.
It’s a great way to restore your credit without having to go into debt again. The program is however designed differently for each person according to your personal situation.
Finally, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t inflate over time. They’ll also look into any violations of creditor with the assistance of their own experts.
Some disadvantages to using CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with . So if you’re trying to increase your credit score, it may set you back while you’re working on your credit card debt.
CureDebt doesn’t even offer a mobile application. While they have a client website but it’s aged and simple. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not recognized by their Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that allows you to resolve your debt without having to spend more for these types of services. In addition the 20% service cost is cheaper than most companies that offer the 25% cost. There are no upfront payments, and you will only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account to see your progress, their website is not easy to navigate. CuraDebt also doesn’t have an app that would make it easier to track your performance.
They do have a good support team, and you can reach them not just via email but also via phone or sending an e-ticket. Seniors Tax Relief San Antonio Tx
If your debt is a big problem, then we recommend CuraDebt’s service. Be sure to be qualified and that the services they provide are in your state.
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FAQ Seniors Tax Relief San Antonio Tx
What is the time frame to finish the program?
The average program is 24 to 48 months, dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt help with state tax problems?
Sure, CuraDebt offers a program for tax relief that will assist you with issues such as late payroll tax issues and garnishments of wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to pay down your debt over time.
