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 you’ve already tried everything.
In the majority of cases, your most effective approach is to talk to professionals that can help you resolve the issue.
CuraDebt is among the companies that get the most inquiries. A lot of people are asking if they are able to help or put you in more debt.
According to their clients they can help you manage 80% of your debts so that you can finally take a couple of things off your plate.
However, for certain people the claims seem too good to be true.
You might be looking for anything that can aid you in settling your debt. In this scenario, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth review of the way CuraDebt works and what problems it can solve for you.
Moreover, before we end our discussion, we’ll take a look at the advantages and disadvantages of this method.
Before beginning the review, go to this video for a more relaxing way 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 overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Against Tax
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited through the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What can CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best popular feature. But they offer additional services to assist you in becoming financially secure.
First of all, it begins by requesting a free savings estimate online. It is a completely private service and they will not be doing a credit check. By using this estimate of savings, you will discover more about alternatives to be debt-free.
The savings estimate, which was mentioned before, gives you an insight into your options regardless of whether or not you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement plan, CuraDebt can be the company to take care of all your creditors’ calls. They’ll be the ones who will determine conditions of the settlement in accordance with the state of your financial situation. Depending on which works most effectively your situation, the payment could be either a lump sum settlement or the option of a payment plan.
Furthermore, they will work with creditors to ensure that you get better rates when you transfer money into your savings account, which is then processed to pay back the creditors. The plans they offer can help you get rid of debt in just the period of 48 months.
After you’ve registered with them, they’ll allow 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 progress.
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CuraDebt’s Requirements
Before you can benefit from the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the different ways CuraDebt can assist 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 medical bills, personal loans, credit cards and also loans. They can also be approached to settle any outstanding balance of business debt collection, repossessions, or collections.
They can even help negotiate on tax owed and IRS debt. However, you will not receive support for most cases, government loans as well as collateral and utility bills. The same goes for student loans.
On the other hand, they will help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors in order to get cash settlements, if they are possible. Some violations can also cause your debt to be dismissed as well.
CuraDebt can also help you settle debt with less than the sum you have. You can also ask questions during their free consultation with their debt counselor.
The most appealing aspect of the program is that you will only pay the fees once your debt is settled. All you need to sign up to some of their programs, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle your tax debt. Once they collect all of your financial records, they will also collect all the necessary paperwork for tax returns.
Through this program, you will be able to solve the various types of tax problems such as garnishments on wages and tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs also. They only use flat-fee pricing that is based on the amount you need to settle.
They offer different options for settling taxes. 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 kinds of debts are they able to help with?
Although they specialize in debt settlement, it is not their specialty however, they do not cater to all types in debt resolution. CuraDebt concentrates on loans that are not secured. They can’t help you if your loan or debt is linked to a physical item.
If, however, you are in one of the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without any problems. Additionally, this service is available across all 50 states, if you owe money to the IRS. They have federal tax experts to assist you with these kinds of problems.
Medical Debt
CuraDebt will also help you resolve your medical debt. In some instances you might even be able to pay them less than the amount you have to pay.
Private Student Loan
CuraDebt doesn’t cater to federal student loans. Still, they can help private students with negotiating any student loans that they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You may also be eligible if you have other unsecured credit lines that you got from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as 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’s pricing is how the company has priced its services. They do not charge an upfront cost. Only pay when you settle each of your outstanding debts.
Also, they don’t have high-cost charges either. On average, you’ll have to pay as much as 20% of the debt you settled through them.
In general, this type of industry charges between 15 and 25%.
Additionally, customers can anticipate to settle their debts within between 2 and 4 years. However, this also varies depending on the amount that you can save up per month.
Also, they claim that you could save as much as 30% when you factor in their costs into your calculations.
However, this statement will differ based on your specific situation. Some clients even mentioned saving between 50% and 80%.
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The benefits of using CuraDebt
Once you’ve got an idea of the benefits CuraDebt can offer you let’s explore the benefits of using CuraDebt.
The first is that CuraDebt only charges you after you’ve settled your debt. Additionally they only charge a 20% fee while most companies charge you 25 percent.
Then, if you’re done with the debt settlement program, you may enroll in their credit repair program.
It’s a fantastic method to improve the credit rating without going back into debt. The program is however designed in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also investigate any creditor violations using their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to stop making payments using your credit card. If you’re trying to improve your standing on credit scores, you might set you back while you’re finishing your credit card debt.
CureDebt doesn’t even have a mobile app. Although they have a client website, it looks outdated and basic. It’s not very intuitive, and it can be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on those types of services. Moreover the 20% service cost is lower than many businesses that charge a 25% fee. 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 so that you can track your progress, their website is not user-friendly. CuraDebt does not have an app yet, which will make it easier to look at your progression.
But, they do have a great support team and can be reached them not just via email but also via phone or submitting an electronic ticket. Tax Relief Against Tax
If debt is a big problem, then we recommend CuraDebt’s service. Be sure to be qualified and that the services they offer are available in your area.
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FAQ Tax Relief Against Tax
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 agreed settlement.
Can CuraDebt assist with state tax problems?
It is true that CuraDebt has a tax relief program to assist you with issues such as late payroll tax issues and garnishments on wages.
What do I need to do once I’m in the program?
You’ll be required to communicate with your team members and make the necessary payments to reduce the amount of debt you have over time.
