Are you experiencing debt that has been increasing lately? Are you tired of trying other financial advice and strategies but you’re still struggling with unsolved problems?
Maybe you’re here because already tried every thing.
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 asked companies. A lot of people have been inquiring whether they are able to help or put you in more debt.
According to their customers, they can assist you in managing 80% of your debt so that you can take few things off of your plate.
For some the claims seem too good to be true.
You might be looking for anything that can assist you in paying off your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep look at the way CuraDebt works and what problems it can solve for you.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can check out this video instead in case you would 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 overview. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Tax Debt Relief Logo
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has been an active member of the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. But they offer additional services to help you be more financially secure.
The process 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 will be able to learn more about the alternatives to be debt-free.
This estimate of savings, which was mentioned earlier, provides you with an idea of your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to help you with credit arbitration in the event that you decide to join. Some financial advisors can help you with your debt-free journey.
After your debt settlement program, CuraDebt will be the company to answer all of your creditors’ calls. They will also be the ones who negotiate the terms of your settlement based on the status of your finances. In determining which option is the best your situation, the payment could be a lump-sum settlement or a payment plan.
Furthermore they will be working with lenders to help you get better rates when you make deposits to your savings account. This is then processed to pay the creditors. Their programs can assist you to pay off the debt in 48 months.
Once you’ve signed up with them, they’ll provide you with access to your information 24/7. All you have to do is log in to CuraDebts the client portal so that you can 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. For eligibility, you’ll have to be:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills, credit cards and loans. They can also be approached to pay off any remaining balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you will not receive support for most cases, government loans, collateral, and utility bills. They also don’t cover most student loans.
On the other hand, they can assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors 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 amount you have. You can also ask questions during their free meeting with their debt counselor.
The best part about the program is that you’ll only have to pay for the charges when your debt is paid off. All you have to sign up for one of their plans and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial documents, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you will be able to solve the various types of tax problems like wage garnishments and tax penalties, personal and corporate taxes as well as back taxes, 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.
They have different solutions when it comes to 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 types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialization, they don’t offer all kinds in debt resolution. CuraDebt only focuses on unsecured debt. They won’t be able to help you if the debt or loan is tied to an item that is physical.
However, if you have the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without any issues. Additionally, this service is available to all 50 states in the event that you have a debt to the IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases, you may even pay the debt for less than you have to pay.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students in negotiating any loans they are owed.
Personal Loan
Personal and payday loans also qualify to be eligible for debt relief programs. It is also possible to avail the program if you have other unsecured credit lines you obtained from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, or private label credit cards, CuraDebt can help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is how 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.
Additionally, they don’t have high-cost charges either. On average, you’ll be required to pay up to 20% of the debt you settled through them.
In general, this type of industry charges from 15% to 25%.
In addition, customers can expect to settle their debt from two to four years. But, it also differs in relation to the amount you save per month.
Additionally, they claim that you could save up to 30% when you factor in their fees in your equation.
But this claim will also vary, depending on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
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Advantages to using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt can provide, let’s look into the advantages that come with using CuraDebt.
First, CuraDebt will only charge you after you’ve settled your debt. In addition they only charge 20% of the cost, whereas most companies charge you 25 percent.
If you’re finished in the process of debt resolution, you could join their credit repair program.
It’s an excellent way to restore the credit rating without having to go in debt again. The program is however designed differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist with settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any creditor violations with the help of their own experts.
Some disadvantages to using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Settlement of debt and debt relief often require you to cease making payments with . If you’re trying to improve your rating on your credit, this might set you back while you’re finishing your obligations.
CureDebt does not have a mobile app available. While they do have a website for clients, it looks old and mundane. It’s not particularly intuitive, and it can be difficult to navigate.
Moreover, they are still not accredited with their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to settle your debt without spending more on those types of services. In addition their 20% service fee is less expensive than the majority of companies that offer an additional 25% charge. There are no upfront payments, and you will only be required to pay once the debt is settled.
Although they’ll give you an account so that you can track your progress however, their website isn’t easy to navigate. CuraDebt isn’t even an app, which will make it easier to look at your progress.
But, they do have a competent support staff that you can contact them not only through emails but also by phone or sending an e-ticket. Tax Debt Relief Logo
If the credit card is a major problem right now, we recommend CuraDebt’s service. Be sure to be qualified and that the services that they provide are offered in your area.
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FAQ Tax Debt Relief Logo
How long does it take to complete the course?
The typical program lasts from between 24 and 48 months depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Yes, CuraDebt has a tax relief program that will help you with problems such as delinquent payroll taxes and garnishments on wages.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll need to constantly communicate with the team and make the necessary payments to pay down your debt over time.
