Have your debts been increasing lately? Are you exhausted from trying other financial advice and tips but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve been through every thing.
In the majority of cases, your best option is to speak with experts who can help you resolve the issue.
CuraDebt is among the most frequently contacted companies. Many people have been inquiring whether they can assist you or put you in more debt.
According to their customers, they can help you control 80% of your debt , so you can take couple of w
orries off your shoulders.
For some the claims seem too good to be true.
If you’re looking for something that will assist you in paying off your debt. In this scenario, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of the way CuraDebt operates and what issues it could help solve.
Furthermore, before we conclude we’ll look at its benefits and drawbacks.
Before you begin the review, go to this video if you prefer to watch it.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Austin
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000, and is a part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, certain states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is CuraDebt’s most popular feature. They also provide additional services to assist you in becoming financially secure.
It all begins with requesting a free savings estimate on the internet. It is a completely private service and won’t be conducting a credit screening. With this estimate of savings you’ll be able to be able to learn more about the alternatives to be debt-free.
This estimate of savings, as mentioned earlier, provides you with the opportunity to consider your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you with credit arbitration in the event that you decide to enroll. Financial advisors may be able to assist you with your debt-free journey.
Following your debt settlement program, CuraDebt is the company to answer all of your creditors’ calls. They will be the ones who determine what you will pay for your payment in accordance with the state of your finances. Based on what works best for you, it can be either a lump sum settlement or the option of a payment plan.
Furthermore, they will work with lenders to help you have better rates as you make deposits to your savings account. This in turn, will be processed to pay the creditors. Their plans can help you get rid of debt in just two years.
After you’ve registered with them, they’ll give you access to your data 24/7. All you need to do is login to CuraDebts the client portal to track your development.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll need to meet the following criteria:
- Minimum 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they assist you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf for the majority of types of debt. They can help with medical bills, personal loans credit cards and also line of credit. They can also be approached to pay off any remaining balance of business debt and collections or repossessions.
They may even assist you in negotiating on tax owed as well as IRS debt. But, you won’t receive assistance with the majority claims, government loans, collateral, and utility bills. The same goes for 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 can also assist you in identifying the violations of creditors to ensure that you receive cash settlements, if possible. Certain violations could result in having your debts dismissed as well.
CuraDebt lets you settle debt with less than the sum you have. Additionally, you can have questions answered during a free consult with their debt advisor.
The most appealing aspect of their plan is that you’ll only have to pay for the charges once your debt is settled. All you have to do is sign up with any of the plans and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they collect all of your financial records and tax documents, they’ll also collect all the paperwork you’ll need to file tax returns.
Through this program, you should be able to deal with various tax issues like garnishments on wages, tax penalties, personal and taxation for business, back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs also. They only use flat-fee pricing that is based on the amount you must settle.
They offer different options when it comes to paying off the tax debt. 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 types of debt can they help you with?
Although they specialize in debt settlement, it is not their specialization, they don’t provide all kinds of settlement. CuraDebt is only focused on unsecured debt. They aren’t able to assist you if your credit or loan is tied to an actual item.
If you do have the following kinds of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without any issues. Furthermore, this service is accessible to all 50 states if you have a debt to the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling any medical-related debt. In some instances you could even settle the debt for less than you are owed.
Private Student Loan
CuraDebt does not cater to federal student loans. They can however assist private students in negotiating any student loans that they have to pay.
Personal Loan
Personal and payday loans are also eligible for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards or traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
How much will it cost?
The best part about CuraDebt is the way the company has priced its services. They do not charge an upfront cost. You’ll only pay once you settle each of your outstanding debts.
Also, they do not charge high costs either. In the average, you’ll need to pay up to 20% of the debt you settled through them.
In the average, this kind of industry charges between 15% and 25 percent.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. However, this also varies according to the amount you can save up per month.
Also, they claim you can save up to 30% when you factor in their fees in your equation.
However, this statement will depend on your situation. Some customers have even talked about saving 50 to 80%.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, let’s explore the benefits from using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. Furthermore, they only charge an amount of 20%, while the majority of companies charge 25%.
Next, if you’re done by the program for debt relief you can enroll in their credit repair program.
It’s a fantastic option to rebuild the credit rating without having to go 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 credit to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also be looking into any creditor violations with the assistance of their in-house experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using the credit card you use. Therefore, if you’re trying increase your rating on your credit, this might cause you to delay getting rid of your obligations.
CureDebt doesn’t even offer a mobile application. While they do have a website that clients can access but it’s old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
In addition, they’re not credited with the Better Business Bureau although they did receive an A+ grade.
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. Moreover the 20% service cost is less expensive than the majority of businesses that charge an additional 25% charge. There are no upfront payments and you’ll only be required to pay once your debt is finally settled.
Although they’ll allow you to access an account that allows you to track your progress but their website isn’t simple to navigate. CuraDebt isn’t even an app that could make it easier for you to track your progress.
But, they do have a competent support staff that you can contact them not just via email but also by phone or sending an e-ticket. Tax Relief Austin
If the debt is a big issue right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they offer are available in your state.
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FAQ Tax Relief Austin
What is the time frame to complete the program?
The average program is between 24 and 48 months dependent on the size of your debt and the agreement on the settlement.
Can CuraDebt help with state tax problems?
Yes, CuraDebt has a tax relief program that can assist you with issues like delinquent taxes and garnishments on wages.
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 pay the required payments to pay down your debt over time.
