Are you experiencing debt that has increased lately? Are you exhausted from trying different financial advice and strategies but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve already tried everything.
In the majority of cases, your best option is to speak with experts who can help you settle this issue.
CuraDebt is among the most asked companies. Many customers have asked if they can help you or put you in more debt.
According to their clients, they can help you control the majority of your debts so that you can finally take a few things off of your plate.
But for some people, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can aid you in settling your debt. If that’s the situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep study of how CuraDebt is used and the problems it can solve for you.
Furthermore, before we conclude, we’ll also look into its benefits and drawbacks.
Before you begin the review, go to this video if you prefer 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 review. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Claimed U/S
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been a member of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although the service is accredited, some states have imposed restrictions on their services.
What CuraDebt do?
Helping you settle your debt is the most popular feature. But they offer additional services to aid you in becoming more financially secure.
First of all, it begins by requesting a free online savings estimate. This service is very confidential, and they won’t conduct a credit inquiry. With this savings estimate you’ll discover more about options to debt-free.
The savings estimate, as mentioned before, gives you the opportunity to consider your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you with your debt-free journey.
After your debt settlement program, CuraDebt can be the one to handle all of your creditor’s calls. They’ll be the ones who will negotiate the terms of your settlement depending on the condition of your finances. In determining which option is the best your situation, the payment could be either a lump sum settlement or an installment plan.
Furthermore, they will be working with the creditors so that you can have better rates as you deposit money to your savings account. This, in turn, will be processed to pay 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 will give you access to your data 24/7. All you need to do is log in to CuraDebts the client portal so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to meet their eligibility requirements first. For eligibility, you’ll have to meet the following criteria:
- Minimum 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 different ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They are able to negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills, credit cards and line of credit. They are also able to help settle any remaining balance on business debt, collections, or repossessions.
They may also assist in negotiating for back taxes and IRS debt. However, you won’t get support for most claims, government loans or collateral, as well as utility bills. The same goes for student loans.
On the other hand, they will assist you with laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find debtors who are in violation to ensure that you receive cash settlements, if they are possible. Certain violations could result in having your debts dismissed as well.
CuraDebt lets you repay debt for less than the sum you have. You can also inquire about your debt during their no-cost consult with their debt counsellor.
The best part about the program is that you only be charged once your debt is settled. All you have to sign up for any of the plans, and you’ll be able settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they collect all of your financial records, they will also collect all the necessary paperwork for tax returns.
With this program, you should be able to deal with various tax issues like wage garnishments and tax penalties, personal and business taxes as well as back taxes as well as trust fund penalties and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount you’ll need to settle.
They have different solutions for paying off your 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 are they able to help with?
While debt settlement is their forte however, they do not cater to all types in debt resolution. CuraDebt only focuses on loans that are not secured. They can’t help you if your debt or loan is tied to an actual item.
If, however, you are in the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off your past-due tax debts without any issues. Moreover, this type of service is accessible across all 50 states, if you have a debt to the 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 some instances you might even be able to pay them less than the amount you owe.
Private Student Loan
CuraDebt does not offer federal student loans. Still, they can help private students in negotiating the student loans they owe.
Personal Loan
Payday loans and personal loans also qualify to be eligible for debt relief programs. You may also be eligible of the program if you also have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards as well as private label credit card, CuraDebt can assist you in paying it off.
What will it cost you?
The greatest thing about CuraDebt is how the company has priced its services. They do not charge an upfront cost. Only pay when you settle each of your debts.
Also, they do not charge high charges either. On average, you’ll have to pay as much as 20% of the debt you settled through them.
On average, this type of industry charges between 15% and 25 percentage.
In addition, customers can expect to pay off their debts in between 2 and 4 years. This varies in relation to the amount you save per month.
They also claim that you can save up to 30% if you include their charges into your calculation.
However, this statement will differ based on your situation. Some customers even claimed to save 50 to 80percent.
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The benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can offer you Let’s take a look at the benefits from using CuraDebt.
First, CuraDebt will only charge you after you’ve settled your debt. Furthermore they charge only 20% of the cost, whereas many companies charge 25%.
Next, if you’re done with the debt settlement program, you may also sign up for their credit repair program.
It’s a great method to improve your credit without going back into debt. However, the program lasts different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your credit to assist with settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any violations of creditor with the assistance of their experts in-house.
Some disadvantages to using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Settlement of debt and debt relief typically require you to cease making payments with . Therefore, if you’re trying build a better credit score, it may set you back while you’re working on your debt.
CureDebt also doesn’t have a mobile app available. Although they have a website for clients however, it appears aged and simple. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on these kinds of services. Moreover the 20% service fee is less expensive than the majority of companies that offer an additional 25% charge. There aren’t any upfront fees and you’ll only have to pay when your debt is finally settled.
While they’ll provide you with an account to see your progress, their website is not user-friendly. CuraDebt does not have an app that will make it easier to monitor your performance.
But, they do have a great support team that you can contact them not just via email but also via phone or making an e-ticket. Tax Relief Claimed U/S
If the problem of debt is an problem, then we highly recommend CuraDebt’s program. Just make sure that you’re qualified and that the services they offer are available in your state.
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FAQ Tax Relief Claimed U/S
How long will it take to complete the program?
The program typically takes 24 to 48 months, dependent on the size of your debt and the agreed settlement.
Can CuraDebt aid with state tax problems?
Yes, CuraDebt has a tax relief program to assist you with issues such as delinquent payroll taxes and garnishments of wages.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with your team members and pay the required payments to reduce the amount of debt you have over time.
