Are you experiencing debt that has been piling up lately? Are you exhausted from trying various financial tips and advice but haven’t solved your problems?
Maybe you’re here because tried every thing.
In the majority of cases, the most effective approach is to talk to experts who can help to resolve this issue.
CuraDebt is one of the companies that get the most inquiries. A lot of customers have asked if they can help you or put you in more debt.
According to their clients, they can help you control 80% of your debts so that you can take couple of w
orries off your shoulders.
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. If that’s the case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper study of how CuraDebt works and what problems it can solve for you.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, 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 overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Dividends
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and accredited by the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is CuraDebt’s most known feature. But they offer additional services to aid you in becoming more financially stable.
First of all, it begins with requesting a free savings estimate on the internet. It is a completely private service, and they won’t conduct a credit inquiry. By using this estimate of savings, you will be able to learn more about the alternatives towards debt-free.
This estimate of savings, as we’ve mentioned before, gives you an insight into your options regardless of whether or not you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor as well as a support team to assist you with the process of credit arbitration should you choose to enroll. Financial advisors may be able to assist you in your debt-free journey.
Following your debt settlement program, CuraDebt can be the one to handle all of the calls from your creditors. They will be the ones who negotiate the terms of your repayment depending on the condition of your financial situation. Based on what works best to you, this could either be a lump sum settlement or the option of a payment plan.
Moreover, they will work with creditors to ensure that you have better rates as you deposit money to your savings account. This, in turn, will be processed to pay creditors. The plans they offer can help you get rid of debt in just two years.
After you’ve signed up with them, they will provide you with access to your information 24/7. All you have to do is log in to CuraDebts the client portal to track your performance.
Before you can avail of the program, you’ll have to meet their eligibility requirements first. To be eligible, you’ll have to be:
- Minimum 21 years old
- Earn a reliable income
- You must have a minimum balance of $5,000
What are they able to assist you?
Here are the different ways CuraDebt can help you.
The name of the company suggests that CuraDebt will assist you in dealing with your debt. They can negotiate settlements on your behalf for the majority of types of debt. They can help with medical bills, personal loans credit cards and loans. They are also able to help settle any remaining amount on business debts collection, repossessions, or collections.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t receive assistance for the majority of your lawsuits, loans from the government, 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 can also assist you in identifying creditor violations to ensure that you receive cash settlements, if possible. Some violations can also result in having your debts dismissed as well.
CuraDebt can also help you settle debt with less than the sum you have. Additionally, you can ask questions during their free meeting with their debt counsellor.
The most appealing aspect of their program is that you’ll only have to pay for the charges when your debt is paid off. All you need to do is sign up with one of their plans, and you’ll be able resolve all 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 and tax documents, they’ll also collect all the paperwork you’ll need for tax returns.
By using this program, you’ll be able to deal with the various types of tax problems like wage garnishments, tax penalties, personal and business taxes as well as back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees also. They use only flat-fee pricing and is dependent on the amount that you’ll need to settle.
They offer different options for the settlement of your tax debt. Here are six of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
What types of debt are they able to help with?
Although they specialize in debt settlement, it is not their specialty, they don’t provide all kinds of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if the credit or loan is tied to an item that is physical.
If you do have the following kinds of debt, they will arrange settlements for you.
With CuraDebt the service, you’ll be able to settle tax debts that were due to be paid without any issues. Additionally, this service is available to all 50 states if you have a debt towards the IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
CuraDebt can also assist in settling the medical bills. In certain cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to the federal government’s student loan. However, they can assist private students negotiate any loans they are owed.
Payday loans and personal loans are also eligible for the debt settlement program. You can also avail if you have other unsecured credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
If you are in debt through store credit cards or traditional credit cards and private-label credit cards CuraDebt will assist you in paying it off.
What will it cost you?
The best part about CuraDebt’s pricing is how they’ve priced their service. They do not charge an upfront cost. Only pay when you have paid off all of your outstanding debts.
Also, they don’t have high-cost fees as well. In the average, you’ll need to pay between 20 and 20 percent of the debt that you settled with them.
In general, this type of industry can charge anywhere from 15% to 25%.
Moreover, clients can expect to settle their debt from 2 to 4 years. However, this also varies in relation to the amount you are able to save each month.
Also, they claim that you can save up to 30% if you include their fees in your equation.
However, this statement will vary, depending on your specific situation. Some customers even claimed to save between 50% and up to 80%.
The benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt offers, let’s look into the advantages of using CuraDebt.
The first is that CuraDebt only charges you 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 could also sign up for their credit repair program.
It’s a fantastic way to restore your credit without having to go back into debt. The program is however designed differently for each person, depending on your situation.
In the end, CureDebt looks into your debt so that they can assist with settlements and negotiations. It means that your debt won’t increase over time. They’ll also investigate any violations by creditors with the assistance of their own experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using . If you’re trying to increase your rating on your credit, this may cause you to delay finishing your debt.
CureDebt does not offer a mobile application. While they do have a client website however, it appears aged and simple. It’s not very intuitive and could be difficult to navigate.
In addition, they’re not credited with their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to settle your debt without spending more on those types of services. Moreover the 20% service cost is lower than many firms that charge a 25% fee. There is no upfront payment, and you will only have to pay when the debt is settled.
Although they’ll allow you to access an account that allows you to track your progress however, their website isn’t user-friendly. CuraDebt also doesn’t have an app that could make it easier for you to monitor your progression.
But, they do have a great support team and can be reached them not only through emails but also by phone or sending an electronic ticket. Tax Relief Dividends
If problem of debt is an issue right now, we strongly recommend CuraDebt’s debt management program. Be sure to be qualified and that the services that they provide are offered in your state.
FAQ Tax Relief Dividends
How long does it take to finish the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your stipulated settlement.
Can CuraDebt help in the fight against state tax issues?
It is true that CuraDebt has a tax relief program that can help you with problems such as late payroll tax issues and wage garnishments.
What’s the first thing I have to do after joining the program?
You’ll need to constantly communicate with your team members and pay the required payments to pay down the amount of debt you have over time.