Has your debt increased lately? Are you tired of trying other financial advice and strategies but haven’t solved your problems?
Perhaps you’re here because you’ve been through everything.
In most cases, the most effective approach is to talk to experts who can assist you settle this issue.
CuraDebt is among the companies that get the most inquiries. A lot of customers have asked if they can help you or put you into more debt.
According to their clients, they can help you manage 80% of your debt , so you can take couple of w
orries off your plate.
However, for certain people, these claims are just too good to be true.
If you’re looking for something that will aid you in settling your debt. In that situation, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of the way CuraDebt is used and the problems it could help solve.
In addition, prior to our conclusion, we’ll also look into its benefits and drawbacks.
Before you begin the review, you can check out this video instead for a more relaxing way for it to be watched.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Companies In Elgin Illinois
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become an active part of the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What can CuraDebt do?
Helping you settle your debt is one of CuraDebt’s best known feature. However, they also offer other services that will assist you in becoming financially secure.
It all starts by requesting a no-cost online savings estimate. The service is completely confidential, and they won’t be doing a credit check. By using this estimate of savings, you will discover more about alternatives to be debt-free.
The savings estimate, which was mentioned previously, offers you an insight into your options regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you with credit arbitration in the event that you decide to enroll. Some financial advisors can help you on your path to debt-free living.
Following the debt settlement plan, CuraDebt will be the company to answer all of your creditor’s calls. They will be the ones who determine the terms of your payment depending on the condition of your financial situation. Depending on which works best your situation, the payment could be either a lump sum settlement or an installment plan.
Moreover they will work with creditors to ensure that you get better rates when you deposit money to your savings account. This, in turn, will be processed to pay off the creditors. Their plans can help you settle the debt within 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 so that you can monitor your progress.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to meet their eligibility requirements first. In order to be considered eligible for the program, 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 with?
Here are the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with your debt. They are able to negotiate settlements on your behalf to settle most types of debt. They can help with personal loans, medical bills credit cards as well as loans. They are also able to settle any outstanding balance on business debt collection, repossessions, or collections.
They may even assist you in negotiating on tax owed as well as IRS debt. But, you won’t receive assistance with the majority cases, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they will 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 debtors who are in violation so that you can have cash settlements, if they are possible. Certain violations could lead to having your debts dismissed as well.
CuraDebt lets you pay off debts with less than the amount you have. They also allow you to have questions answered during a free consultation with their debt counselor.
The greatest benefit of their program is that you only pay the fees when your debt is paid off. All you need to sign up for some of their programs, and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. After they have gathered all your financial records They will also gather all the necessary paperwork to file tax returns.
By using this program, you will be able to resolve different types of taxes like garnishments on wages, tax penalties, personal and taxation for business, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs also. They only use flat-fee pricing, which depends on the amount you’ll have to pay.
There are a variety of options in settling taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What types of debt are they able to help with?
Although debt settlement is their specialty however, they do not cater to all types in debt resolution. CuraDebt is only focused on loans that are not secured. They aren’t able to help you if your credit or loan is tied to an actual item.
If, however, you are in one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able to pay taxes that are due without any issues. Furthermore, this service is accessible to all 50 states if you owe money in arrears to IRS. There are tax experts from the federal government that can help you resolve these types of issues.
Medical Debt
CuraDebt can also assist in settling your medical debt. In certain cases, you may even pay the debt for less than you owe.
Private Student Loan
CuraDebt does not cater to Federal student loan. They can however assist private students with negotiating the student loans they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards as well as 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 the way they’ve priced their service. They do not charge an upfront cost. You’ll only pay once you have paid off all of your outstanding debts.
Additionally, they don’t charge high charges either. On average, you’ll be required to pay as much as 20 percent of the debt that you settled through them.
On average, this type of business can cost anywhere between 15 and 25 percent.
Additionally, customers can anticipate to settle their debt from two to four years. But, it also differs according to the amount you are able to save each month.
Additionally, they claim you can save as much as 30% by incorporating their charges into your calculation.
However, this statement will depend on your specific situation. Some customers even claimed to save between 50% and 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can provide, Let’s take a look at the benefits that come with using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. Additionally, they only charge an amount of 20%, while the majority of companies charge 25%.
Then, if you’re done with the debt settlement program, you may enroll in their credit restoration program.
It’s an excellent way to restore the credit rating without going into debt again. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
In the end, CureDebt looks into your credit to assist in settlements and negotiations. So, your debt won’t increase as time passes. They’ll also be looking into any violations by creditors with the help of their experts in-house.
The drawbacks of the use of CuraDebt
We will also examine some of the drawbacks of CuraDebt.
Debt relief and debt settlements often require you to stop paying with your credit card. Therefore, if you’re trying build a better standing on credit scores, you might set you back while you’re finishing your debt.
CureDebt does not offer a mobile application. While they do have a client website but it’s outdated and basic. It’s not very user-friendly, and can be difficult to navigate.
Furthermore, they are not accredited with their Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a great program that will allow you to pay off your debts without spending more for these types of services. Moreover their 20% service cost is cheaper than most businesses that charge a 25% fee. There is no upfront payment, and you will only be required to pay once the debt is paid off.
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 also doesn’t have an app that will make it easier to track your progress.
They do have a great support team and can be reached them, not only via emails but also via phone or sending an electronic ticket. Tax Relief Companies In Elgin Illinois
If your debt is a big problem right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re eligible and that the services that they provide are offered in your area.
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FAQ Tax Relief Companies In Elgin Illinois
How long will it take to finish the program?
The program typically takes 24 to 48 months, depending on the amount of your debt as well as your agreed settlement.
Can CuraDebt aid with tax problems in the state?
It is true that CuraDebt offers a program for tax relief that can assist you with issues such as delinquent payroll taxes and garnishments of wages.
What should I do when I’m enrolled in the program?
You’ll have to keep in constant contact with your team members and make the necessary payments to reduce the amount of debt you have over time.
