Have your debts been piling up lately? Are you burnt out from trying different financial advice and strategies 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 professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. Many people have been inquiring whether they can assist you or put you into more debt.
According to their clients, they can assist you in managing 80% of your debts so that you are able to take couple of w
orries off 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. If that’s the situation, CuraDebt will mostly be recommended by people. We’ll be taking a deep look at the way CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude we’ll look at its advantages and drawbacks.
Before beginning the review, you can go to this video if you prefer for it to be watched.
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. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Companies For Individuals
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 has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have imposed restrictions on their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most popular feature. However, they also offer other services that can aid you in becoming more financially stable.
The process begins with requesting a free online savings estimate. It is a completely private service, and they won’t conduct a credit inquiry. With this savings estimate you’ll be able to learn more about your alternatives to be debt-free.
This estimate of savings, as we’ve mentioned earlier, provides you with an idea of your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a team of support to assist you in navigating the process of credit arbitration should you choose to join. Some financial advisors can help you with your debt-free journey.
After your debt settlement program, CuraDebt will be the agency to take care of all your creditor’s calls. They’ll be the ones who will negotiate the terms of your settlement based on the status of your financial situation. Depending on which works best your situation, the payment could be a lump-sum settlement or the option of a payment plan.
Additionally they will work with creditors to ensure that you enjoy better rates when you make deposits to your savings account. This is then processed to pay the creditors. The plans they offer can help you pay off the debt in 48 months.
After you’ve registered with them, they will give you access to your account information 24 hours a day. All you need to do is login to CuraDebts the client portal to monitor 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 meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can 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 loans. They can also be approached to help settle any remaining amount on business debts, collections, or repossessions.
They may also assist in negotiating on tax owed as well as IRS debt. But, you won’t receive assistance with the majority claims, loans from the government as well as collateral and utility bills. The same goes for student loans.
On the contrary, they’ll assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations so that you can have cash settlements, should it be possible. Certain violations may lead to having your debts dismissed as well.
CuraDebt also allows you to settle debt with less than the amount you own. They also allow you to inquire about your debt during their no-cost meeting with their debt counsellor.
The greatest benefit of the program is that you only have to pay for the charges after your debt has been settled. All you have to do is sign up with some of their programs, and you’ll have the ability to pay off all your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial records They will also gather all the documents you’ll require for tax returns.
Through this program, you’ll be able to deal with various tax issues like wage garnishments, tax penalties, personal and taxation for business as well as back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices that is based on the amount that you’ll must settle.
They offer different options when it comes to settling your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts can they help you with?
While debt settlement is their specialization but they aren’t able to offer all kinds in debt resolution. CuraDebt is only focused on unsecured debt. They can’t help you if your credit or loan is tied to an item that is physical.
If, however, you are in one of the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able to pay your past-due tax debts without any problems. Furthermore, this service is accessible to all 50 states if you owe money in arrears to IRS. There are federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also assist in settling the medical bills. 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 loan. They can however assist private students in negotiating any loans they are owed.
Personal Loan
Personal and payday loans are also eligible as debt-settling programs. It is also possible to avail the program if you have other unsecured credit lines that you have obtained from another financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards CuraDebt will help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is how they’ve priced their service. They don’t charge upfront fees. Only pay when you’ve paid each of your debts.
Additionally, they do not charge high fees as well. In the average, you’ll need to pay up to 20 percent of the debt you settled through them.
On average, this type of business can cost anywhere between 15% and 25%.
Moreover, clients can expect to pay off their debts in between 2 and 4 years. But, it also differs in relation to the amount you save per month.
They also claim that you could save up to 30% when you factor in their charges into your calculation.
However, this statement will vary, depending on the situation. Some clients even mentioned saving 50% to 80percent.
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Benefits of using CuraDebt
Now that you have an idea of what CuraDebt can provide, let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt is only charged after you’ve settled your debt. Additionally they charge only an amount of 20%, while the majority of companies charge 25 percent.
Next, if you’re done by the program for debt relief you can join their credit repair program.
It’s a great method to improve the credit rating without going in debt again. However, the program runs different for every person dependent on the circumstances of your case.
Finally, CureDebt looks into your financial obligations to help with settlements and negotiations. This means your debt won’t increase as time passes. They’ll also be looking into any creditor violations using their own experts.
The drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Settlement of debt and debt relief often require you to stop making payments using . So if you’re trying to improve your standing on credit scores, you may cause you to delay finishing your obligations.
CureDebt also doesn’t have a mobile app available. Although they have a website that clients can access, it looks aged and simple. It’s not very intuitive, and it can be challenging to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more on those types of services. In addition, their 20% service fee is lower than many companies that offer a 25% fee. There is no upfront payment and you’ll only be required to pay once your debt is finally settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t user-friendly. CuraDebt does not have an app that could make it easier for you to look at your progression.
They do have a competent support staff and can be reached them not just via email but by phone or by submitting an e-ticket. Tax Relief Companies For Individuals
If your debt is a big problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs that they provide are offered in your area.
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FAQ Tax Relief Companies For Individuals
How long will it take to finish the program?
The average program is between 24 and 48 months dependent on the size of your debt as well as your agreed settlement.
Can CuraDebt assist with tax problems in the state?
It is true that CuraDebt offers a program for tax relief that can aid you in dealing with problems such as delinquent payroll tax and garnishments of wages.
What do I need 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.
