Has your debt increased lately? Are you exhausted from trying various financial advice and strategies but still have unsolved issues?
Maybe you’re here because already tried everything.
In the majority of cases, the most effective approach is to talk to experts who can help you resolve the issue.
CuraDebt is one of the most frequently contacted companies. Many people are asking if they can assist you or help you get into more debt.
According to their clients, they can assist you in managing 80% of your debt , so you are able to take couple of worries off your plate.
But for some people they believe these claims are too good to be true.
You might be looking for any solution that could aid you in settling your debt. In this scenario, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at how CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, go to this video if you 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 overview. Afterward, you will want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Companies
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has since become 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 the service is accredited, some states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is CuraDebt’s most well-known feature. But they offer other services that can assist you in becoming financially secure.
First of all, it begins by requesting a free savings estimate on the internet. This service is very confidential, and they won’t be doing a credit check. By using this estimate of savings, you will learn more about your other options in your journey to be debt-free.
This estimate of savings, which was mentioned previously, offers you an insight into your choices 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 in navigating credit arbitration if you decide to enroll. Some financial advisors can help you in your debt-free journey.
Following your debt settlement program is completed, CuraDebt is the agency to take care of all the calls from your creditors. They’ll also be the ones who negotiate what you will pay for your repayment in accordance with the state of your finances. In determining which option is the best for you, it could either be a lump sum settlement or a payment plan.
Furthermore they will also work with creditors to ensure that you enjoy better rates when you make deposits to your savings account, which in turn, will process to pay off the creditors. Their programs can assist you to pay off the debt in the period of 48 months.
Once you’ve signed up with them, they will allow you access to your account information 24 hours a day. All you have to do is log in to CuraDebts the client portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to satisfy their criteria first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they help you?
Here are the different ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal your debt. They are able to negotiate settlements on behalf of you for the majority of types of debt. This includes medical bills, personal loans credit cards, as well as lines of credit. They can also be approached to help settle any remaining balance on business debt collection, repossessions, or collections.
They can even help negotiate for back taxes and IRS debt. However, you won’t get assistance for the majority claims, loans from the government or collateral, as well as utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you in navigating laws such as the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify the violations of creditors in order to get cash settlements, if possible. Certain violations may result in having your debts also dismissed.
CuraDebt can also help you pay off debts with less than the amount you have. You can also ask questions during their free consultation with their debt counsellor.
The best part about the program is that you will only be charged when your debt is paid off. All you need to sign up to any of the plans and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they collect all of your financial documents, they will also collect all the paperwork you’ll need for tax returns.
By using this program, you’ll be able to resolve different types of taxes such as wage garnishments, tax penalties, personal and corporate taxes and back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs either. They use only flat-fee pricing that is based on the amount that you’ll must settle.
There are a variety of options for the settlement of taxes. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt are they able to help with?
Although debt settlement is their forte, they don’t cater to all types of settlement. CuraDebt only focuses on loans that are not secured. They aren’t able to assist you if your credit or loan is tied to an actual item.
However, if you have the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off taxes that are due without any issues. Additionally, this service is offered across all 50 states, if you owe money in arrears to IRS. They have federal tax experts to assist you with the issues.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In certain cases you might even be able to pay them less than the amount you are owed.
Private Student Loan
CuraDebt does not cater to Federal student loan. They can however assist private students negotiate the student loans they owe.
Personal Loan
Personal loans and payday loans are also eligible for the debt settlement program. You can also avail if you have other unsecured credit lines you obtained from another bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards or private label credit cards CuraDebt will help you pay it off.
What will it cost you?
The most appealing aspect of CuraDebt is the way they’ve priced their services. They don’t charge an upfront fee. The only time you pay is when you settle each of your outstanding debts.
They also don’t have high-cost charges either. In the average, you’ll need to pay between 20 and 20% of the debt you settled through them.
In general, this type of business can cost anywhere between 15 and 25 percentage.
Moreover, clients can expect to settle their debt from two to four years. This varies according to the amount you are able to save each month.
Additionally, they claim that you can save as much as 30% if you include their costs into your calculations.
However, this statement will depend on your situation. Some customers even claimed to save 50 to 80%.
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Benefits of using CuraDebt
Now that you have a clearer picture of the benefits CuraDebt can provide, Let’s take a look at the benefits from using CuraDebt.
In the beginning, CuraDebt is only charged once you’ve paid off your debt. Additionally they only charge a 20% fee while most companies charge you 25 percent.
Then, if you’re done in the process of debt resolution, you can also sign up for their credit repair program.
It’s an excellent option to rebuild the credit rating without going into debt again. However, the program lasts in a different way for each individual, depending on your situation.
Finally, CureDebt looks into your credit to assist with settlements and negotiations. So, the amount you owe won’t rise as time passes. They’ll also investigate any violations of creditor with the help of their in-house experts.
Drawbacks of the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Settlement of debt and debt relief often require you to stop paying with the credit card you use. If you’re trying to build a better rating on your credit, this might delay you from finishing your credit card debt.
CureDebt also doesn’t have a mobile app available. While they do have a website for clients however, it appears outdated and basic. It’s not very user-friendly, and can be challenging to navigate.
In addition, they’re not recognized by an accreditation from the Better Business Bureau although they were awarded an A+ grade.
The Final Verdict
CuraDebt is a great program that lets you pay off your debts without spending more on these kinds of services. Moreover their 20% service fee is cheaper than most companies that offer the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when your debt is finally settled.
While they’ll provide you with an account so that you can track your progress, their website is not simple to navigate. CuraDebt does not have an app yet, which could make it easier for you to monitor your performance. Tax Relief Companies
They do have a competent support staff that you can contact them, not only via emails but by phone or by submitting an e-ticket. Tax Relief Companies
If your debt is a big problem right now, we highly recommend CuraDebt’s program. Just make sure that you’re eligible and that the programs that they provide are offered in your state.
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FAQ Tax Relief Companies
What is the time frame to complete the program?
The average program is between 24 and 48 months depending on the amount of your debt as well as the stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
Yes, CuraDebt provides tax relief programs that can aid you in dealing with problems such as delinquent payroll taxes and wage garnishments.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with your team members and pay the required payments to reduce your debt over time.
