Have your debts increased lately? Are you tired of trying different financial advice and strategies but haven’t solved your problems?
Maybe you’re here because you’ve been through everything.
In the majority of cases, your best option is to speak with experts who can assist to resolve this issue.
CuraDebt is among the companies that get the most inquiries. A lot of people have been inquiring whether they are able to help or put you in more debt.
According to their clients they can help you manage 80% of your debt , so you can finally take a few things off of your shoulders.
However, for certain people the claims seem too good to be true.
You might be looking for any solution that could aid you in settling your debt. In this case, CuraDebt will mostly be recommended by people. We’ll take a deeper study of the way CuraDebt operates and what issues it can help you solve.
Moreover, before we end our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, check out this video instead for a more relaxing way watching it.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you’ll want to read the rest of the article for a more comprehensive review.
About the Company State Tax Debt Relief California
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has been an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you settle your debt is the most known feature. But they offer other services that will help you be more financially stable.
It all begins with requesting a free savings estimate on the internet. The service is completely confidential, and they won’t be doing a credit check. With this estimate of savings you’ll be able to learn more about your options to be debt-free.
This estimate of savings, as we’ve mentioned before, gives you an insight into your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to help you with the process of credit arbitration should you choose to enroll. Financial advisors may be able to assist you on your path to debt-free living.
Following the debt settlement program, CuraDebt can be the company to take care of all your creditors’ calls. They’ll be the ones who determine what you will pay for your settlement depending on the condition of your finances. In determining which option is the best to you, this can be a lump-sum settlement or a payment plan.
Furthermore, they will be working with creditors to ensure that you get better rates when you transfer money into your savings account. This in turn, will be processed to pay off creditors. Their programs can assist you to settle the debt within 48 months.
Once you’ve signed up with them, they will give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to monitor your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- Have a minimum debt of $5,000
What are they able to assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with your debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards and loans. They are also able to pay off any remaining balance of business debt collection, repossessions, or collections.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive support for most cases, government loans or collateral, as well as utility bills. They also don’t cover most 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 also help you find debtors who are in violation so that you can have cash settlements, if they are possible. Some violations can also lead to having your debts dismissed as well.
CuraDebt lets you settle debt with less than the amount you have. You can also ask questions during their free consult with their debt counsellor.
The most appealing aspect of their plan is that you only be charged when your debt is paid off. All you need to do is sign up with one of their plans, and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. After they have gathered all your financial records They will also gather all the necessary paperwork for tax returns.
Through this program, you should be able to deal with different types of taxes such as wage garnishments as well as tax penalties for personal and corporate taxes and back taxes as well as trust fund penalties and tax lien.
There aren’t any hidden costs either. They only use flat-fee pricing, which depends on the amount you need to settle.
There are a variety of options in the settlement of the tax debt. Here are 6 options:
- 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 are they able to help with?
Although debt settlement is their specialization, they don’t provide all kinds in debt resolution. CuraDebt concentrates on debt that is not secured. They can’t assist you if your debt or loan is tied to an actual item.
However, if you have the following types of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay tax debts that were due to be paid without difficulty. Additionally, this service is accessible to all 50 states in the event that you have a debt to the IRS. There are federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In certain cases you could even settle them less than the amount you owe.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. Still, they can help private students in negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible to be eligible for debt relief programs. It is also possible to avail the program of the program if you also have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards as well as private label credit card CuraDebt can assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They don’t charge upfront fees. You’ll only pay once you have paid off all of your debts.
Also, they don’t have high-cost costs either. In the average, you’ll need to pay up to 20% of the debt you settled through them.
In general, this type of industry can charge anywhere from 15% to 25%.
Moreover, clients can expect to settle their debts within 2 to 4 years. But, it also differs in relation to the amount you can save up per month.
They also claim that you could save up to 30% by incorporating their costs into your calculations.
However, the claim may vary, depending on your specific situation. Some customers have even talked about saving 50% to 80%.
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Advantages to using CuraDebt
Once you’ve got a clearer picture of what CuraDebt can offer you let’s explore the benefits of using CuraDebt.
The first is that CuraDebt is only charged when you’ve paid off your debt. Furthermore, they only charge a 20% fee while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program you may join their credit restoration program.
It’s a great option to rebuild your credit score without going in debt again. The program is however designed in a different way for each individual according to your personal situation.
Finally, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also be looking into any creditor violations using their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to stop paying with your credit card. So if you’re trying to improve your rating on your credit, this could cause you to delay finishing your obligations.
CureDebt also doesn’t offer a mobile application. While they do have a website for clients however, it appears old and mundane. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not recognized by the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to pay off your debts without spending more for these types of services. Additionally the 20% service charge is cheaper than most businesses that charge the 25% cost. There aren’t any upfront fees, and you will only have to pay when the debt is settled.
Although they’ll give you an account that allows you to track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app that will make it easier to look at your progress.
They do have a competent support staff that you can contact them, not only via emails but by phone or by submitting an electronic ticket. State Tax Debt Relief California
If the debt is a big issue right now, we recommend CuraDebt’s service. Be sure to be qualified and that the services they offer are available in your state.
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FAQ State Tax Debt Relief California
What is the time frame to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as your stipulated settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt offers a program for tax relief that can aid you in dealing with problems such as late payroll taxes and garnishments of wages.
What do I need to do after joining the program?
You’ll be required to communicate with the team and pay the required payments to reduce your debt over time.
