Has your debt increased lately? Are you exhausted from trying different financial tips and advice but still have unsolved issues?
Maybe you’re here because been through every thing.
In the majority of cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can assist you or put you into more debt.
According to their clients, they can assist you in managing 80percent of your debt so that 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 something that will help you resolve your debt. If that’s the scenario, CuraDebt will mostly be suggested by people. We’ll be taking a deep look at how CuraDebt operates and what issues it can solve for you.
Moreover, before we end we’ll look at its advantages and drawbacks.
Before beginning the review, go to this video in case you would prefer to watch 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 will want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Bring Tax Payer More Refund
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 accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best known feature. However, they also offer additional services to help you be more financially stable.
First of all, it begins by requesting a free savings estimate online. The service is completely confidential and won’t be doing a credit check. By using this estimate of savings, you will learn more about your alternatives to debt-free.
Savings estimates, as we’ve mentioned before, gives you the opportunity to consider your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration in the event that you decide to sign up. Some financial advisors can help you in your debt-free journey.
Following the debt settlement program, CuraDebt can be the one to handle all of your creditors’ calls. They’ll be the ones who negotiate the terms of your settlement based on the status of your finances. Depending on which works most effectively to you, this could be either a lump sum settlement or a payment plan.
Furthermore they will be working with creditors so that you can have better rates as you transfer money into your savings account, which in turn, will process to pay the creditors. Their plans can help you pay off the debt in two years.
After you’ve registered with them, they will provide you with access to your data 24/7. All you need to do is login to CuraDebts’ client portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to satisfy their criteria first. For eligibility, you’ll have to be:
- At least 21 years old
- Have a verifiable income
- You must have a minimum balance of $5,000
What can they assist you?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They can negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans credit cards and also lines of credit. They are also able to pay off any remaining balance on business debt and collections or repossessions.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t receive assistance for the majority cases, government loans or collateral, as well as utility bills. They also don’t cover most student loans.
On the other hand, they can assist you with laws like that of 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 possible. Certain violations may result in having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the amount you own. You can also inquire about your debt during their no-cost consult with their debt counselor.
The most appealing aspect of their plan is that you’ll only have to pay for the charges when your debt is paid off. All you need to sign up to one of their plans and you’ll be able pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. After they have gathered all your financial records and tax documents, they’ll also collect all the necessary paperwork for tax returns.
Through this program, you will be able to solve the various types of tax problems like garnishments on wages, tax penalties, personal and taxation for business, back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges also. They only use flat-fee pricing that is based on the amount you must settle.
There are a variety of options in the settlement of taxes. 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 types of debt can they assist you with?
Although debt settlement is their specialization however, they do not offer all kinds in debt resolution. CuraDebt only focuses on loans that are not secured. They aren’t able to assist you if your credit or loan is tied to a physical item.
However, if you have the following types of debt, they will arrange settlements for you.
Tax Debt
With CuraDebt it is expected that you will be able to pay your past-due tax debts without difficulty. Furthermore, this service is accessible across all 50 states, if you owe money in arrears to IRS. They have federal tax experts who can assist you in resolving these types of issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In certain cases you could even settle the debt for less than you owe.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. They can however assist private students negotiate any loans they have to pay.
Personal Loan
Personal loans and payday loans also qualify as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from an alternative financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards, traditional credit cards, or private label credit cards, CuraDebt will assist you in paying it off.
What is the cost?
The greatest thing about CuraDebt’s pricing is how they’ve priced their service. They don’t charge an upfront fee. You’ll only pay once you settle each of your outstanding debts.
Additionally, they don’t charge high fees as well. On average, you’ll have to pay as much as 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15 and 25 percent.
Moreover, clients can expect to settle their debts within 2 to 4 years. However, this also varies depending on the amount that you save per month.
They also claim that you could save as much as 30% when you factor in their fees in your equation.
However, the claim may vary, depending on your specific situation. Some clients even mentioned saving 50 to up to 80%.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
In the beginning, CuraDebt will only charge you when you’ve paid off your debt. Additionally they charge only an amount of 20%, while most companies charge you 25%.
Next, if you’re done with the debt settlement program you can join their credit repair program.
It’s a fantastic option to rebuild your credit score without having to go back into debt. However, the program runs differently for each person dependent on the circumstances of your case.
Lastly, CureDebt looks into your debt so that they can assist in settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also be looking into any violations of creditor with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also consider some of the negatives 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 standing on credit scores, you may delay you from finishing your debt.
CureDebt doesn’t even offer a mobile application. While they do have a website for clients however, it appears old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to pay off your debts without spending more on these kinds of services. Moreover, their 20% service charge is lower than many companies that offer the 25% cost. There is no upfront payment, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app that could make it easier for you to look at your performance.
They do have a competent support staff that you can contact them, not only via emails but also via phone or submitting an electronic ticket. Tax Relief Bring Tax Payer More Refund
If problem of debt is an problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Tax Relief Bring Tax Payer More Refund
What is the time frame to complete the course?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt help with tax problems in the state?
Sure, CuraDebt offers a program for tax relief to assist you with issues such as delinquent payroll taxes and garnishments of wages.
What’s the first thing I have to do after joining the program?
You’ll be required to communicate with your team members and make the necessary payments to pay down your debt over time.
