Has your debt been piling up lately? Are you exhausted from trying various financial tips and advice but haven’t solved your problems?
Perhaps you’re here because you’ve tried everything.
In most cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is one of the most asked companies. Many people have been inquiring whether they can help you or help you get into more debt.
According to their clients, they can assist you in managing 80percent of your debt , so you can finally take a few things off of your shoulders.
But for some people the claims seem too good to be true.
If you’re looking for anything that can help you resolve your debt. In that situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth review of how CuraDebt operates and what issues it can solve for you.
In addition, prior to our conclusion we’ll look at its advantages and drawbacks.
Before starting the review, go to this video in case you would prefer watching 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 review. Afterward, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Buying House
CuraDebt is a company that provides debt relief 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 accredited with the International Association of Professional Debt Arbitrators.
While it is accredited, some states have limited their access to their services.
What CuraDebt do?
Helping you settle your debt is the most popular feature. However, they also offer other services that will assist you in becoming financially secure.
First of all, it begins by requesting a free savings estimate online. The service is completely confidential and they will not be conducting a credit screening. With this estimate of savings you’ll discover more about other options in your journey to debt-free.
This estimate of savings, which was mentioned previously, offers you an insight into your options regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you with credit arbitration if you decide to sign up. Some financial advisors can help you with your debt-free journey.
Following the debt settlement program, CuraDebt is the agency to handle all of the calls from your creditors. They will also be the ones that determine conditions of the repayment depending on the condition of your financial situation. Based on what works most effectively to you, this can be 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 transfer money into your savings account, which in turn, will be processed to pay back the creditors. Their programs can assist you to pay off the debt in 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 have to do is sign in to CuraDebts the client portal so that you can monitor your development.
Before you can benefit from the program, you’ll have to satisfy their criteria first. To be eligible, you’ll need to be:
- At least 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they help you?
Here are some of the ways CuraDebt can aid you.
As their name suggests, CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. They can help with medical bills, personal loans credit cards and also lines of credit. They are also able to help settle any remaining amount on business debts collection, repossessions, or collections.
They can even help negotiate for back taxes and IRS debt. However, you will not receive assistance with the majority cases, loans from the government, collateral, and utility bills. They also don’t cover most 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 also help you find creditor violations to ensure that you receive cash settlements, if possible. Certain violations may cause your debt to be also dismissed.
CuraDebt can also help you pay off debts with less than the sum you have. You can also ask questions during their free meeting with their debt advisor.
The best part about the program is that you’ll only pay the fees after your debt has been settled. All you have to sign up to some of their programs, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they’ve gathered all your financial documents, they will also collect all the documents you’ll require for tax returns.
By using this program, you’ll be able to resolve different types of taxes like wage garnishments as well as tax penalties for personal and corporate taxes and back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs 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 taxes. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What kinds of debts can they help you with?
While debt settlement is their specialization however, they do not cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They won’t be able to assist you if your debt or loan is tied to a physical item.
However, if you have the following kinds of debt, they’ll negotiate settlements on your behalf.
With CuraDebt, you should be able to settle taxes that are due without difficulty. Additionally, this service is offered across all 50 states, if you owe money in arrears to IRS. There are federal tax experts to assist you with these types of issues.
CuraDebt can also assist in settling the medical bills. In some instances you might even be able to pay the debt for less than you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. However, they can assist private students with negotiating any student loans that they owe.
Personal 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 have obtained from an alternative bank or financial institution.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can assist you in paying it off.
What is the cost?
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 have paid off all of your debts.
Also, they don’t have high-cost costs either. On average, you’ll be required to pay between 20 and 20% of the debt you settled through them.
In general, this type of business can cost anywhere from 15% to 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs depending on the amount that you can save up per month.
Additionally, they claim that you can save up to 30% when you factor in their fees in your equation.
However, this statement will vary, depending on the situation. Some clients even mentioned saving between 50% and up to 80%.
Advantages to using CuraDebt
Once you’ve got an idea of what CuraDebt offers, Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt will only charge you once you’ve paid off your debt. Additionally, they only charge a 20% fee while most companies charge you 25%.
Next, if you’re done with the debt settlement program, you could enroll in their credit repair program.
It’s a fantastic method to improve your credit without going in debt again. However, the program runs different for every person according to your personal situation.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. It means that the amount you owe won’t rise over time. They’ll also investigate any violations of creditor using their own experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the drawbacks of CuraDebt.
Settlement of debt and debt relief typically require you to stop paying with your credit card. If you’re trying to improve your standing on credit scores, you might set you back while you’re getting rid of your obligations.
CureDebt also doesn’t have a mobile app available. Although they have a website that clients can access however, it appears outdated and basic. It’s not particularly user-friendly, and can be challenging to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that lets you resolve your debt without having to spend more for these types of services. Moreover the 20% service fee is less expensive than the majority of firms that charge an additional 25% charge. There are no upfront payments and you’ll only be required to pay once the debt is settled.
While they’ll provide you with an account to see your progress however, their website isn’t user-friendly. CuraDebt also doesn’t have an app that will make it easier to look at your progress.
However, they have a great support team and can be reached them, not only via emails but also by phone or making an electronic ticket. Tax Relief Buying House
If the debt is a big problem, then we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs they provide are in your state.
FAQ Tax Relief Buying House
What is the time frame to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt assist in the fight against state tax issues?
It is true that CuraDebt provides tax relief programs that will assist you with issues such as delinquent 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 lower the amount of debt you have over time.