Are you experiencing debt that has been piling up lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because tried everything.
In the majority of cases, the most effective approach is to talk to experts who can help to resolve this issue.
CuraDebt is among the most frequently contacted companies. A lot of people are asking if they can help you or help you get into more debt.
According to their clients they can assist you in managing 80% of your debt so that you can finally take a couple of things off your shoulders.
However, for certain 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 scenario, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can solve for you.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin the review, you can watch this video instead if you prefer for it to be watched.
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 review. After, you will want to read the rest of the article for a more comprehensive review.
About the Company State Tax Relief Utah
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become a part of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. They also provide additional services to assist you in becoming financially stable.
It all begins with requesting a free savings estimate on the internet. It is a completely private service and won’t be doing a credit check. By using this estimate of savings you’ll discover more about other options in your journey to debt-free.
The savings estimate, which was mentioned before, gives you the opportunity to consider your choices regardless of whether or not 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 sign up. Some financial advisors can help you in your debt-free journey.
After your debt settlement program, CuraDebt can be the agency to answer all of your creditor’s calls. They will be the ones who determine conditions of the payment depending on the condition of your finances. In determining which option is the best your situation, the payment could be either a lump sum settlement or an installment plan.
Additionally they will also be working with the creditors so that you can have better rates as you deposit money to your savings account, which in turn, will be processed to pay back creditors. The plans they offer can help you pay off the debt in 48 months.
After 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 track your development.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll have 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?
Here are some of the ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can help you deal with debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. They can help with medical bills, personal loans credit cards and also line of credit. You can also approach them to pay off any remaining balance on business debt collection, repossessions, or collections.
They may even assist you in negotiating for back taxes as well as IRS debt. But, you won’t receive support for most of your lawsuits, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, if they are possible. Certain violations may cause your debt to be also dismissed.
CuraDebt lets you repay debt for less than the amount you have. Additionally, you can ask questions during their free consultation with their debt counselor.
The most appealing aspect of their plan is that you’ll only pay the fees after your debt has been settled. All you need to sign up to some of their programs and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with your tax debt. Once they’ve gathered all your financial documentation They will also gather all the paperwork you’ll need for tax returns.
Through this program, you should be able to resolve various tax issues like garnishments on wages, tax penalties, personal and taxation for business as well as back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees either. They only use flat-fee pricing and is dependent on the amount you need to settle.
They offer different options when it comes to the settlement of taxes. 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 can they assist you with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to offer all kinds of debt settlement. CuraDebt only focuses on loans that are not secured. They can’t help you if your debt or loan is tied to an actual item.
If, however, you are in one of the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to settle tax debts that were due to be paid without difficulty. Furthermore, this service is accessible to all 50 states in the event that you owe money to the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some instances you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. Still, they can help private students with negotiating any student loans that they are owed.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, and private-label credit cards CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is how they’ve priced their services. They do not charge an upfront cost. You’ll only pay once you settle each of your debts.
Also, they do not charge high charges either. On average, you’ll have to pay up to 20% of the debt you settled with them.
In the average, this kind of business can cost anywhere between 15% and 25%.
Moreover, clients can expect to settle their debt from two to four years. However, this also varies depending on the amount that you can save up per month.
Additionally, they claim you can save as much as 30% by incorporating their costs into your calculations.
However, this statement will differ based on the situation. Some customers even claimed to save 50% to 80%.
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Advantages to using CuraDebt
Now that you have an understanding of what CuraDebt can provide, let’s look into the advantages of using CuraDebt.
The first is that CuraDebt will only charge you once you’ve paid off your debt. Furthermore they charge only a 20% fee while most companies charge you 25%.
If you’re finished with the debt settlement program, you may enroll in their credit restoration program.
It’s a great way to restore your credit score without going in debt again. The program is however designed differently for each person dependent on the circumstances of your case.
Finally, CureDebt looks into your credit to help with settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also investigate any violations of creditor with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt relief and debt settlements often require you to cease making payments with the credit card you use. Therefore, if you’re trying increase your rating on your credit, this could delay you from working on your debt.
CureDebt also doesn’t have a mobile app. While they have a website that clients can access, it looks aged and simple. It’s not very intuitive and could be difficult to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you settle your debt without spending more for these types of services. Moreover the 20% service fee is less expensive than the majority of businesses that charge an additional 25% charge. There is no upfront payment and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account so that you can track your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app that would make it easier to look at your progression.
They do have a great support team, and you can reach them, not only via emails but also by phone or making an electronic ticket. State Tax Relief Utah
If the debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services they offer are available in your state.
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FAQ State Tax Relief Utah
How long will it take to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt provides tax relief programs that will assist you with issues like delinquent tax and garnishments on wages.
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 reduce your debt over time.
