Has your debt been increasing lately? Are you exhausted from trying various financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with experts who 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 help you get into more debt.
According to their clients they can help you manage 80% of your debt , so you are able to take few things off of your plate.
But for some 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 recommended by people. We’ll take a deeper review of the way CuraDebt operates and what issues it can solve for you.
In addition, prior to our conclusion, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, you can watch this video instead for a more relaxing way watching it.
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’ll want to read the rest of the article for a more comprehensive review.
About the Company State Of Michigan Income Tax Penalty And Interest Relief
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. But they offer other services that will help you be more financially secure.
The process begins by requesting a free online savings estimate. The service is completely confidential and won’t be conducting a credit screening. With this savings estimate you’ll be able to learn more about your options to debt-free.
Savings estimates, as we’ve mentioned before, gives you an idea of your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you with the process of credit arbitration should you choose to sign up. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement plan, CuraDebt is the agency to take care of all your creditors’ calls. They will be the ones who will negotiate the terms of your repayment depending on the condition of your finances. Based on what works best for you, it could be either a lump sum settlement or the option of a payment plan.
Additionally they will also work with lenders to help you enjoy better rates when you deposit money to your savings account. This, is then processed to pay back creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
After you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you have 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 avail of the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll have to meet the following requirements:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with debt. They can negotiate settlements on behalf of you for the majority of types of debt. This includes personal loans, medical bills credit cards, and also loans. They can also be approached to help settle any remaining balance on business debt and collections or repossessions.
They can even help negotiate on tax owed and IRS debt. But, you won’t receive assistance for the majority cases, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can assist you with laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors to ensure that you receive cash settlements, if they are possible. Certain violations may lead to having your debts removed as well.
CuraDebt lets you settle debt with less than the amount you own. They also allow you to ask questions during their free consult with their debt counselor.
The most appealing aspect of the program is that you will only pay the fees after your debt has been settled. All you have to sign up for any of the plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they collect all of your financial documentation They will also gather all the paperwork you’ll need to file tax returns.
By using this program, you will be able to resolve the various types of tax problems such as wage garnishments as well as tax penalties for personal and taxation for business and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs either. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
They have different solutions for settling the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What types of debt can they help you with?
Although debt settlement is their specialization, they don’t provide all kinds of settlement. CuraDebt concentrates on loans that are not secured. They aren’t able to assist you if your debt or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without difficulty. Moreover, this type of service is offered to all 50 states in the event that you have a debt towards the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also assist in settling the medical bills. In certain cases you could even settle them less than the amount you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students in negotiating any loans they have to pay.
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 that you have obtained from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards or private label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The best part about CuraDebt is how the company has priced its services. They don’t charge an upfront fee. The only time you pay is when you have paid off all of your outstanding debts.
Also, they don’t have high-cost charges either. In the average, you’ll need to pay between 20 and 20 percent of the debt that you settled through them.
On average, this type of business can cost anywhere between 15 and 25 percentage.
In addition, customers can expect to settle their debt from 2 to 4 years. However, this also varies depending on the amount that you save per month.
Additionally, they claim that you can save as much as 30% when you factor in their costs into your calculations.
But this claim will also differ based on the situation. Some clients even mentioned saving 50% to 80percent.
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The benefits of using CuraDebt
Once you’ve got an understanding of what CuraDebt can offer you Let’s take a look at the benefits from using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Furthermore they charge only an amount of 20%, while many companies charge 25%.
Then, if you’re done in the process of debt resolution, you could join their credit restoration program.
It’s a fantastic option to rebuild your credit without going back into debt. However, the program runs different for every person, depending on your situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t inflate over time. They’ll also be looking into any creditor violations with the help of their own experts.
The drawbacks of using CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using your credit card. If you’re trying to increase your standing on credit scores, you might delay you from working on your credit card debt.
CureDebt doesn’t even offer a mobile application. While they do have a website that clients can access however, it appears outdated and basic. It’s not particularly intuitive and could be challenging to navigate.
In addition, they’re not accredited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that allows you to settle your debt without spending more on these kinds of services. Moreover the 20% service cost is cheaper than most firms that charge a 25% fee. There are no upfront payments and you’ll only be required to pay once the debt is paid off.
Although they’ll give you an account so that you can track your progress, their website is not easy to navigate. CuraDebt isn’t even an app that could make it easier for you to monitor your progress.
However, they have a good support team and can be reached them, not only via emails but also via phone or making an e-ticket. State Of Michigan Income Tax Penalty And Interest Relief
If debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the services they offer are available in your area.
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FAQ State Of Michigan Income Tax Penalty And Interest Relief
How long does it take to complete the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt has a tax relief program that can aid you in dealing with problems such as delinquent payroll tax and garnishments on wages.
What should I do once I’m in the program?
You’ll need to constantly communicate with your team members and pay the required payments to pay down your debt over time.
