Are you experiencing debt that has increased lately? Are you exhausted from trying various financial advice and strategies but haven’t solved your problems?
Maybe you’re here because already tried every thing.
In most cases, the best way is to approach experts who can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they can assist you or help you get into more debt.
According to their customers, they can help you control 80percent of your debts so that you can take few things off of your shoulders.
However, for certain people they believe these claims are too good to be true.
You might be looking for any solution that could help you resolve your debt. In this case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at how CuraDebt operates and what issues it could help solve.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, you can 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 review. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Spotsylvania County Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000, and is a part 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, certain states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best well-known feature. But they offer additional services to assist you in becoming financially stable.
First of all, it starts by requesting a no-cost online savings estimate. The service is completely confidential and they will not be conducting a credit screening. With this estimate of savings you’ll learn more about your alternatives towards debt-free.
This estimate of savings, as mentioned before, gives you an insight into your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration if you decide to sign up. Certain financial advisors can assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt can be the company to answer all of your creditor’s calls. They’ll also be the ones who negotiate what you will pay for your repayment based on the status of your finances. Depending on which works most effectively your situation, the payment can be either a lump sum settlement or the option of a payment plan.
Moreover they will be working with creditors to ensure that you get better rates when you deposit money to your savings account, which is then processed to pay creditors. Their plans can help you pay off the debt in 48 months.
Once you’ve signed up with them, they will provide you with access to your data 24/7. All you need to do is login to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll need to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on behalf of you for all kinds of debt. They can help with personal loans, medical bills, credit cards and line of credit. You can also approach them to settle any outstanding balance on business debt, collections, or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, government loans as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations so that you can have cash settlements, if they are possible. Certain violations may result in having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the sum you have. You can also inquire about your debt during their no-cost meeting with their debt counsellor.
The most appealing aspect of their plan is that you only be charged after your debt has been settled. All you need to sign up for some of their programs and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documentation, they will also collect all the necessary paperwork for tax returns.
By using this program, you should be able to deal with the various types of tax problems such as wage garnishments and tax penalties, personal and taxation for business and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs either. They use only flat-fee pricing, which depends on the amount you’ll have to pay.
They have different solutions in paying off the tax debt. 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 types of debt can they assist you with?
Although debt settlement is their specialization but they aren’t able to provide all kinds of settlement. CuraDebt concentrates on debt that is not secured. They aren’t able to help you if your loan or debt is linked to an item that is physical.
If, however, you are in the following types of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without any issues. Furthermore, this service is offered to all 50 states if you have a debt towards the IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In some cases you could even settle the debt for less than you are owed.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. However, they can assist private students with negotiating any student loans that they are owed.
Personal Loan
Personal and payday loans are also eligible for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you got from another 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 can help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge an upfront fee. Only pay when you’ve paid each of your outstanding debts.
Additionally, they don’t charge high fees as well. On average, you’ll be required to pay between 20 and 20 percent of the debt you settled with them.
In the average, this kind of industry charges between 15 and 25%.
Moreover, clients can expect to settle their debts within two to four years. This varies in relation to the amount you can save up per month.
They also claim that you can save up to 30% by incorporating their fees in your equation.
However, this statement will vary, depending on the situation. Some customers have even talked about saving between 50% and 80percent.
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Advantages to using CuraDebt
Now that you have an idea of what CuraDebt can offer you let’s explore the benefits that come with using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. Additionally, they only charge an amount of 20%, while many companies charge 25 percent.
If you’re finished by the program for debt relief, you could join their credit repair program.
It’s a great option to rebuild the credit rating without going into debt again. However, the program lasts differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also be looking into any violations of creditor with the assistance of their experts in-house.
Some disadvantages to the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with the credit card you use. So if you’re trying to improve your credit score, it might cause you to delay getting rid of your debt.
CureDebt does not have a mobile app available. While they have a website that clients can access however, it appears old and mundane. It’s not particularly intuitive, and it can be challenging to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to resolve your debt without having to spend more on these kinds of services. Moreover, their 20% service charge is less expensive than the majority of firms that charge an additional 25% charge. There is no upfront payment, and you will only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account that allows you to track your progress, their website is not simple to navigate. CuraDebt also doesn’t have an app yet, which could make it easier for you to monitor your progress.
But, they do have a competent support staff, and you can reach them not just via email but also via phone or submitting an electronic ticket. Spotsylvania County Tax Relief
If the credit card is a major problem, then we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they provide are in your state.
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FAQ Spotsylvania County Tax Relief
What is the time frame to complete the course?
The typical program lasts from between 24 and 48 months dependent on the size of your debt and the agreed settlement.
Can CuraDebt aid with tax problems in the state?
It is true that CuraDebt offers a program for tax relief that will aid you in dealing with problems such as delinquent payroll taxes and wage garnishments.
What should I do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to lower your debt over time.
