Have your debts been increasing lately? Are you exhausted from trying different financial advice and tips but still have unsolved issues?
Maybe you’re here because you’ve 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 among the companies that get the most inquiries. A lot of people are asking if they can help you or help you get into more debt.
According to their clients, they can help you control the majority of your debt , so you can take couple of w
orries off your plate.
But for some people, these claims are just too good to be true.
You might be looking for anything that can help you resolve your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll take a deeper look at the way CuraDebt is used and the problems it could help solve.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before you begin the review, you can check out this video instead for a more relaxing way 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 review. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief And The Irs
CuraDebt is a debt relief company from Hollywood, Florida. It was established in 2000 and has since become an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most popular feature. They also provide additional services to help you be more financially secure.
The process starts by requesting a no-cost savings estimate on the internet. The service is completely confidential, and they won’t be doing a credit check. With this estimate of savings, you will discover more about alternatives towards debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor and a support team to assist you in navigating the process of credit arbitration should you choose to join. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the agency to take care of all your creditor’s calls. They will be the ones who determine conditions of the settlement based on the status of your financial situation. Based on what works most effectively for you, it could be either a lump sum settlement or an installment plan.
Furthermore they will be working with the lenders to help you have better rates as you deposit money to your savings account, which 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 signed up with them, they’ll provide you with access to your data 24/7. All you need to do is login to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll need to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They can negotiate settlements on your behalf for all kinds of debt. They can help with medical bills, personal loans credit cards, and also line of credit. You can also approach them to help settle any remaining balance on business debt, collections, or repossessions.
They may even assist you in negotiating on tax owed and IRS debt. However, you will not receive assistance with the majority claims, loans from the government, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation so that you can have cash settlements, should it be possible. Certain violations could lead to having your debts also dismissed.
CuraDebt lets you repay debt for less than the amount you own. Additionally, you can have questions answered during a free consultation with their debt counselor.
The best part about the program is that you’ll only have to pay for the charges once your debt is settled. All you need to do is sign up with any of the plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial documentation and tax documents, they’ll also collect all the documents you’ll require for tax returns.
Through this program, you should be able to deal with different types of taxes such as wage garnishments, tax penalties, personal and taxation for business and back taxes and trust fund penalties and tax lien.
There aren’t hidden fees neither are there hidden fees. They use only flat-fee pricing and is dependent on the amount you’ll have to pay.
They offer different options for settling your 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 kind of debt are they able to help with?
While debt settlement is their specialization, they don’t cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to assist you if your loan or debt is linked to a physical item.
If you do have the following kinds of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay taxes that are due without difficulty. Moreover, this type of service is offered to all 50 states in the event that you have a debt in arrears to IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some instances, you may even pay the debt for less than you are owed.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students in negotiating any student loans that they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. You may also be eligible if you have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, or private label credit cards CuraDebt can assist you in paying it off.
What is the cost?
The best part about CuraDebt is the way 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.
Also, they don’t have high-cost costs either. On average, you’ll be required to pay as much as 20% of the debt you settled through them.
On average, this type of business can cost anywhere from 15% to 25 percent.
In addition, customers can expect to pay off their debts in between 2 and 4 years. However, this also varies depending on the amount that you can save up per month.
Additionally, they claim you can save as much as 30% by incorporating their costs into your calculations.
However, this statement will differ based on your situation. Some customers have even talked about saving 50 to 80percent.
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Benefits of using CuraDebt
Now that you have an understanding of what CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. In addition they only charge a 20% fee while the majority of companies charge 25 percent.
If you’re finished with the debt settlement program you could join their credit repair program.
It’s a great method to improve the credit rating without having to go in debt again. However, the program runs differently for each person, depending on your situation.
Finally, CureDebt looks into your debt so that they can help with settlements and negotiations. This means the amount you owe won’t rise over time. They’ll also investigate any creditor violations with the assistance of their in-house experts.
Some disadvantages to using CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with the credit card you use. So if you’re trying to increase your standing on credit scores, you may cause you to delay working on your debt.
CureDebt also doesn’t offer a mobile application. While they do have a client website, it looks outdated and basic. It’s not very intuitive, and it can be challenging to navigate.
Furthermore, they are not recognized by the Better Business Bureau although they received an A+ grade.
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 cost is cheaper than most companies that offer the 25% cost. There aren’t any upfront fees and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account to see your progress however, their website isn’t user-friendly. CuraDebt does not have an app yet, which will make it easier to monitor your progress.
They do have a competent support staff, and you can reach them not just via email but also via phone or making an e-ticket. Tax Relief And The Irs
If the problem of debt is an problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the programs that they provide are offered in your state.
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FAQ Tax Relief And The Irs
How long will it take to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt assist in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs to assist you with issues such as late payroll tax issues and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to pay down your debt over time.
