Are you experiencing debt that has been increasing lately? Are you exhausted from trying other financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because been through everything.
In the majority of cases, the most effective approach is to talk to experts who can assist to resolve this issue.
CuraDebt is one of the most frequently contacted companies. 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 the majority of your debt , so you can take few things off of your mind.
For some, these claims are just too good to be true.
If you’re looking for anything that can assist you in paying off your debt. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at how CuraDebt works and what problems it can help you solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before starting the review, check out this video instead 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 review. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Superior Tax Relief, North Broadway, Santa Ana, Ca
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000, and is a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best popular feature. They also provide other services that can help you be more financially secure.
It all begins by requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this estimate of savings you’ll discover more about alternatives to debt-free.
The savings estimate, as mentioned before, gives you an idea of your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration if you decide to enroll. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement program, CuraDebt will be the agency to handle all of your creditor’s calls. They’ll also be the ones that determine conditions of the settlement based on the status of your finances. In determining which option is the most effectively to you, this could be a lump-sum settlement or the option of a payment plan.
Moreover, they will be working with the creditors to ensure that you get better rates when you make deposits to your savings account, which is then processed to pay back the 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 data 24/7. All you have to do is log in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to satisfy their criteria first. To be eligible, you’ll need to meet the following requirements:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you?
Here are the different ways CuraDebt can assist you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They can negotiate settlements on your behalf to settle the majority of types of debt. This includes medical bills, personal loans credit cards and loans. You can also approach them to help settle any remaining balance of business debt, collections, or repossessions.
They may even assist you in negotiating with back taxes and IRS debt. However, you will not receive assistance for the majority claims, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations to ensure that you receive cash settlements, if they are possible. Some violations can also lead to having your debts also dismissed.
CuraDebt lets you settle debt with less than the sum you have. Additionally, you can ask questions during their free consult with their debt counselor.
The most appealing aspect of their plan is that you only pay the fees when your debt is paid off. All you have to sign up to one of their plans and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial documentation They will also gather all the necessary paperwork to file tax returns.
Through this program, you’ll be able to solve the various types of tax problems such as garnishments on wages and tax penalties, personal and business taxes, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges also. They only offer flat-fee prices, which depends on the amount you’ll have to pay.
They offer different options in the settlement of your tax debt. Here are 6 options:
- 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 are they able to help with?
Although debt settlement is their specialty, they don’t offer all kinds of settlement. CuraDebt concentrates on loans that are not secured. They can’t help you if your loan or debt is linked to an item that is physical.
If, however, you are in the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to settle tax debts that were due to be paid without any problems. Additionally, this service is accessible to all 50 states if you owe money in arrears to IRS. They have federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In some cases you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students in negotiating any student loans that they have to pay.
Personal Loan
Personal loans and payday loans also qualify to be eligible for debt relief programs. You can also avail of the program if you also have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards and private-label credit cards, CuraDebt will assist you in paying it off.
What is the cost?
The greatest thing about CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
Also, they do not charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15% and 25 percentage.
Moreover, clients can expect to settle their debts within between 2 and 4 years. But, it also differs in relation to the amount you are able to save each month.
Also, they claim that you can save as much as 30% when you factor in their fees in your equation.
However, the claim may vary, depending on the situation. Some customers have even talked about saving between 50% and 80%.
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Benefits of using CuraDebt
Now that you have an understanding of what CuraDebt offers, let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt will only charge you once you’ve paid off your debt. Additionally they charge only 20% of the cost, whereas most companies charge you 25 percent.
Next, if you’re done by the program for debt relief, you could also sign up for their credit repair program.
It’s an excellent method to improve your credit score without having to go in debt again. The program is however designed in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your debt so that they can assist with settlements and negotiations. This means your debt won’t inflate as time passes. They’ll also be looking into any creditor violations with the assistance of their own experts.
Some disadvantages to using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using the credit card you use. So if you’re trying to improve your rating on your credit, this could cause you to delay getting rid of your debt.
CureDebt also doesn’t have a mobile app. Although they have a website that clients can access but it’s aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not credited with an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more for these types of services. Moreover their 20% service cost is cheaper than most businesses that charge a 25% fee. There aren’t any upfront fees, 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 but their website isn’t simple to navigate. CuraDebt does not have an app, which will make it easier to track your progression.
But, they do have a competent support staff, and you can reach them not just via email but also by phone or making an electronic ticket. Superior Tax Relief, North Broadway, Santa Ana, Ca
If your credit card is a major problem right now, we highly recommend CuraDebt’s program. Be sure to be qualified and that the services they provide are in your area.
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FAQ Superior Tax Relief, North Broadway, Santa Ana, Ca
How long does it take to complete the course?
The average program is 24 to 48 months, depending on the amount of your debt as well as the stipulated settlement.
Can CuraDebt aid with state tax problems?
It is true that CuraDebt has a tax relief program to help you with problems such as late payroll tax and garnishments on wages.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with your team members and make the necessary payments to reduce your debt over time.
