Has your debt been increasing lately? Are you exhausted from trying various financial advice and tips but still have unsolved issues?
Maybe you’re here because tried everything.
In the majority of cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they are able to help or put you in more debt.
According to their customers, they can assist you in managing 80% of your debts so that you can finally take a few things off of your shoulders.
But for some 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 that case, CuraDebt will mostly be suggested by people. We’ll be taking a deep study of the way CuraDebt is used and the problems it can solve for you.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before beginning the review, check out this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick review. Afterward, you will want to read the rest of our article for a more comprehensive review.
About the Company Tax Forgiveness Relief Programs 2021
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited through the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most popular feature. However, they also offer additional services to aid you in becoming more financially secure.
It all begins with requesting a free online savings estimate. The service is completely confidential, and they won’t be doing a credit check. By using this estimate of savings, you will discover more about options to be debt-free.
The savings estimate, which was mentioned previously, offers you an idea of your choices, regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with credit arbitration in the event that you decide to enroll. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program, CuraDebt can be the company to handle all of the calls from your creditors. They’ll be the ones who determine conditions of the repayment depending on the condition of your financial situation. In determining which option is the best for you, it can be a lump-sum settlement or the option of a payment plan.
Additionally, they will work with lenders to help you get better rates when you transfer money into your savings account. This, is then processed to pay creditors. Their programs can assist you to pay off the debt in two years.
After you’ve signed up with them, they will provide you with access to your information 24/7. All you have to do is login 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 their program, you’ll need to pass their requirements first. To be eligible, you’ll need to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Have a minimum debt of $5,000
What can they assist you?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can assist you in dealing with debt. They are able to negotiate settlements on your behalf for most types of debt. They can help with personal loans, medical bills credit cards as well as lines of credit. You can also approach them to pay off any remaining balance on business debt collection, repossessions, or collections.
They may also assist in negotiating on tax owed and IRS debt. But, you won’t receive support for most of your lawsuits, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like 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 possible. Certain violations may lead to having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the sum you have. You can also have questions answered during a free meeting with their debt counselor.
The best part about the program is that you’ll only pay the fees when your debt is paid off. All you need to sign up to any of the plans, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they’ve gathered all your financial documents and tax documents, they’ll also collect all the documents you’ll require for tax returns.
With this program, you’ll be able to solve different types of taxes such as garnishments on wages, tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs also. They only use flat-fee pricing, which depends on the amount that you’ll need to settle.
There are a variety of options for the settlement of your tax debt. Here are 6 of them:
- 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?
While debt settlement is their specialty, they don’t offer all kinds in debt resolution. CuraDebt only focuses on loans that are not secured. They aren’t able to help you if your loan or debt is linked to a physical 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 any issues. Furthermore, this service is offered to all 50 states in the event that you have a debt towards the IRS. There are federal tax experts to assist you with these types of issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some cases you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students negotiate any student loans that they owe.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards, CuraDebt can help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you have paid off all of your outstanding debts.
Also, they don’t have high-cost charges either. On average, you’ll have to pay between 20 and 20 percent of the debt you settled through them.
On average, this type of industry can charge anywhere between 15 and 25 percent.
In addition, customers can expect to settle their debts within two to four years. This varies in relation to the amount you save per month.
Also, they claim that you can save as much as 30% if you include their costs into your calculations.
However, this statement will depend on your specific situation. Some customers even claimed to save 50% to up to 80%.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt can provide, let’s explore the benefits that come with using CuraDebt.
First, CuraDebt will only charge you when you’ve paid off your debt. In addition, they only charge a 20% fee while most companies charge you 25 percent.
If you’re finished in the process of debt resolution you could enroll in their credit restoration program.
It’s a great method to improve your credit score without going in debt again. However, the program lasts different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also be looking into any creditor violations using their in-house experts.
The drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with the credit card you use. Therefore, if you’re trying build a better credit score, it may delay you from getting rid of your debt.
CureDebt does not offer a mobile application. Although they have a website that clients can access but it’s old and mundane. It’s not particularly intuitive, and it can be difficult to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more for these types of services. Moreover the 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 the debt is paid off.
Although they’ll allow you to access an account so that you can track your progress however, their website isn’t simple to navigate. CuraDebt does not have an app that could make it easier for you to monitor your progression.
But, they do have a good support team, and you can reach them not just via email but also via phone or submitting an e-ticket. Tax Forgiveness Relief Programs 2021
If your debt is a big problem, then we highly recommend CuraDebt’s program. Make sure you’re qualified and that the services that they provide are offered in your area.
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FAQ Tax Forgiveness Relief Programs 2021
What is the time frame to complete the course?
The typical program lasts from 24 to 48 months, depending on the amount of your debt and the stipulated settlement.
Can CuraDebt help with state tax problems?
It is true that CuraDebt has a tax relief program that can assist you with issues such as late payroll taxes and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll have to keep in constant contact with the team and pay the required payments to reduce your debt over time.
