Are you experiencing debt that has been piling up lately? Are you burnt out from trying different financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve been through every thing.
In the majority of cases, your best way is to approach experts who can assist 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 you are able to take few things off of your plate.
For some, these claims are just too good to be true.
If you’re looking for any solution that could help you resolve your debt. If that’s the situation, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth study of the way CuraDebt is used and the problems it can solve for you.
Moreover, before we end, we’ll also look into the advantages and disadvantages of this method.
Before you begin the review, you can go to this video 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. After, you will want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Advertorial
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What can CuraDebt do?
Helping you pay off your debt is CuraDebt’s most popular feature. They also provide additional services to aid you in becoming more financially secure.
First of all, it begins with requesting a free savings estimate online. This service is very confidential and they will not conduct a credit inquiry. With this savings estimate you’ll be able to discover more about alternatives towards debt-free.
Savings estimates, as we’ve mentioned previously, offers you an idea of your choices regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to help you with credit arbitration if you decide to join. Certain financial advisors can assist you in your debt-free journey.
After your debt settlement program, CuraDebt will be the company to handle all of your creditor’s calls. They will be the ones who will determine what you will pay for your repayment depending on the condition of your financial situation. In determining which option is the most effectively your situation, the payment can be either a lump sum settlement or an installment plan.
Additionally they will also work with creditors to ensure that you get better rates when you make deposits to your savings account. This in turn, will process to pay back the creditors. Their programs can assist you to get rid of debt in just the period of 48 months.
Once you’ve signed up with them, they will give you access to your account information 24 hours a day. All you need to do is sign in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll need to meet the following requirements:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can help you deal with debt. They can negotiate settlements on your behalf for all kinds of debt. This includes medical bills, personal loans credit cards, and also line of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They may also assist in negotiating for back taxes and IRS debt. However, you will not receive assistance with the majority claims, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations so that you can have cash settlements, should it be possible. Certain violations could result in having your debts dismissed as well.
CuraDebt lets you pay off debts with less than the amount you have. They also allow you to have questions answered during a free consultation with their debt advisor.
The most appealing aspect of their plan is that you’ll only be charged when your debt is paid off. All you need to sign up to one of their plans, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they collect all of your financial records and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
With this program, you’ll be able to resolve various tax issues like garnishments on wages and tax penalties, personal and business taxes, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges either. They only use flat-fee pricing, which depends on the amount that you’ll need to settle.
They have different solutions in the settlement of the tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt are they able to help with?
Although debt settlement is their specialization but they aren’t able to cater to all types in debt resolution. CuraDebt only focuses on loans that are not secured. They won’t be able to assist 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 negotiate settlements on your behalf.
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. Moreover, this type of service is offered to all 50 states in the event that you owe money to the IRS. There are federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases, you may even pay them less than the amount you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. However, they can assist private students negotiate the student loans they are owed.
Personal Loan
Payday loans and personal loans are also eligible as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from a different bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is the way they’ve priced their service. They do not charge an upfront cost. The only time you pay is 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 up to 20 percent of the debt you settled through them.
In the average, this kind of business can cost anywhere between 15 and 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs in relation to the amount you can save up per month.
Also, they claim that you can save as much as 30% when you factor in their charges into your calculation.
However, this statement will depend on your specific situation. Some customers have even talked about saving between 50% and up to 80%.
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The benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt offers, let’s explore the benefits of using CuraDebt.
First, CuraDebt will only charge you once you’ve paid off your debt. Additionally, they only charge 20% of the cost, whereas many companies charge 25 percent.
Then, if you’re done with the debt settlement program you could join their credit restoration program.
It’s a great method to improve your credit score without going into debt again. However, the program lasts different for every person dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist with settlements and negotiations. It means that your debt won’t increase as time passes. They’ll also investigate any creditor violations with the help of their experts in-house.
Drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop making payments using the credit card you use. So if you’re trying to build a better rating on your credit, this might cause you to delay working on your credit card debt.
CureDebt doesn’t even have a mobile app. Although they have a website for clients, it looks outdated and basic. It’s not particularly user-friendly, and can be challenging to navigate.
Furthermore, they are not credited with the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that allows you to resolve your debt without having to spend more on those types of services. Additionally their 20% service charge is lower than many businesses that charge a 25% fee. There are no upfront payments, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account to see your progress, their website is not easy to navigate. CuraDebt does not have an app, which would make it easier to monitor your progress.
However, they have a good support team, and you can reach them, not only via emails but also via phone or making an e-ticket. Tax Relief Advertorial
If the problem of debt is an issue right now, we highly recommend CuraDebt’s program. Make sure you’re eligible and that the programs they provide are in your area.
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FAQ Tax Relief Advertorial
How long will it take to complete the program?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt provides tax relief programs to help you with problems such as late payroll tax and wage garnishments.
What do I need to do after joining the program?
You’ll need to constantly communicate with your team members and make the necessary payments to pay down the amount of debt you have over time.
