Are you experiencing debt that has been increasing lately? Are you exhausted from trying different financial advice and strategies but haven’t solved your problems?
Maybe you’re here because already tried everything.
In most cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is among the most asked companies. A lot of people are asking if they are able to help or put you in more debt.
According to their clients they can assist you in managing 80percent of your debt , so you can take couple of things off your plate.
However, for certain people, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at how 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 starting the review, check out this video instead in case you would prefer for it to be watched.
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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Tax Debt Relief Programs In Pennsylvania
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000, and is an active part of the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. But they offer additional services to help you be more financially stable.
It all begins by requesting a free online savings estimate. The service is completely confidential and won’t be doing a credit check. By using this estimate of savings you’ll be able to learn more about the alternatives to debt-free.
The savings estimate, as mentioned earlier, provides you with an idea of your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you with the process of credit arbitration should you choose to sign up. Some financial advisors can help you on your path to debt-free living.
After your debt settlement program is completed, CuraDebt can be the one to take care of all the calls from your creditors. They’ll be the ones who negotiate the terms of your repayment based on the status of your finances. Depending on which works most effectively your situation, the payment could be a lump-sum settlement or a payment plan.
Additionally they will also work with creditors so that you can enjoy better rates when you transfer money into your savings account. This is then processed to pay the creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
After you’ve registered with them, they will allow you access to your information 24/7. All you need 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 benefit from their program, you’ll need to meet their eligibility requirements first. To be eligible, you’ll need to be:
- 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 with?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf to settle the majority of types of debt. These include medical bills, personal loans credit cards as well as lines of credit. 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 as well as IRS debt. But, you won’t receive support for most claims, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they will 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 so that you can have cash settlements, if possible. Certain violations could lead to having your debts removed as well.
CuraDebt also allows you to repay debt for less than the amount you own. They also allow you to inquire about your debt during their no-cost consultation with their debt counsellor.
The greatest benefit of the program is that you only be charged when your debt is paid off. All you need to sign up to some of their programs and you’ll be able to resolve all of 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 collect all the necessary paperwork to file tax returns.
With this program, you’ll be able to deal with various tax issues like wage garnishments as well as tax penalties for personal and taxation for business and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden charges either. They use only flat-fee pricing that is based on the amount that you’ll need to settle.
There are a variety of options in the settlement of the tax debt. Here are six 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 specialty, they don’t provide all kinds of settlement. CuraDebt is only focused on unsecured debt. They can’t help you if the loan or debt is linked to a physical item.
If, however, you are in the following kinds of debt, they’ll arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to pay your past-due tax debts without any problems. Moreover, this type of service is offered to all 50 states if you have a debt in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. They can however assist private students with negotiating any loans they are owed.
Personal Loan
Personal and payday loans are also eligible to be eligible for debt relief programs. You may also be eligible if you have other unsecured credit lines you obtained from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The greatest thing about CuraDebt is how the company has priced its services. They don’t charge an upfront fee. You’ll only pay once you’ve paid each of your outstanding debts.
They also do not charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt that you settled with them.
On average, this type of industry charges between 15% and 25 percent.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. However, this also varies in relation to the amount you are able to save each month.
Additionally, they claim that you could save as much as 30% if you include their charges into your calculation.
But this claim will also differ based on the situation. Some customers have even talked about saving 50% to 80percent.
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Benefits of using CuraDebt
Now that you have an idea of the benefits CuraDebt offers, let’s explore the benefits from using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. In addition they charge only a 20% fee while the majority of companies charge 25 percent.
Next, if you’re done with the debt settlement program you may join their credit restoration program.
It’s a fantastic way to restore the credit rating without having to go back into debt. However, the program runs in a different way for each individual according to your personal situation.
In the end, CureDebt looks into your debt so that they can help with settlements and negotiations. It means that the amount you owe won’t rise as time passes. They’ll also be looking into any violations of creditor with the help of their in-house experts.
The drawbacks of the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements usually require that you cease making payments with your credit card. If you’re trying to improve your standing on credit scores, you might cause you to delay getting rid of your debt.
CureDebt also doesn’t have a mobile app available. Although they have a client website however, it appears old and mundane. It’s not particularly intuitive, and it can be challenging to navigate.
Moreover, they are still not credited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that allows you to resolve your debt without having to spend more on these kinds of services. In addition, their 20% service cost is less expensive than the majority of businesses that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
Although they’ll give you an account to see your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app yet, which would make it easier to track your progression.
However, they have a competent support staff, and you can reach them not just via email but also by phone or sending an e-ticket. Tax Debt Relief Programs In Pennsylvania
If the debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re qualified and that the services that they provide are offered in your state.
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FAQ Tax Debt Relief Programs In Pennsylvania
What is the time frame to finish the program?
The typical program lasts from 24 to 48 months, depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt has a tax relief program that will aid you in dealing with problems like delinquent tax and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with the team and make the necessary payments to pay down your debt over time.
