Are you experiencing debt that has been piling up lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because you’ve already tried everything.
In most cases, the best option is to speak with experts who can assist you resolve the issue.
CuraDebt is among the companies that get the most inquiries. Many people are asking if they can help you or put you in more debt.
According to their customers, they can help you manage the majority of your debt so that you can finally take a couple of things off your shoulders.
However, for certain people they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will aid you in settling your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll be taking an in-depth look at the way CuraDebt is used and the problems it can solve for you.
Moreover, before we end, we’ll also look into its advantages and drawbacks.
Before starting the review, check out this video instead if you prefer watching it.
Otherwise, let’s begin.
Before you go on, you may want to watch 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 of CuraDebt.
About the Company Tax Relief For Business
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000, and is an active member 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, certain states have limited their access to their services.
What can CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best well-known feature. However, they also offer additional services to assist you in becoming financially secure.
The process begins by requesting a free savings estimate online. This service is very confidential and they will not be doing a credit check. With this estimate of savings, you will discover more about options towards debt-free.
The savings estimate, as mentioned earlier, provides you with an insight into your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will provide you with a financial counselor as well as a support team to assist you with credit arbitration if you decide to sign up. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt is the company to take care of all the calls from your creditors. They’ll be the ones who negotiate what you will pay for your payment based on the status of your financial situation. Depending on which works most effectively your situation, the payment can be either a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with the creditors to ensure that you have better rates as you deposit money to your savings account. This in turn, will process to pay back the creditors. Their programs can assist you to settle the debt within 48 months.
After you’ve signed up with them, they will allow you access to your information 24/7. All you need to do is log in to CuraDebts Client Portal to track your development.
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CuraDebt’s Requirements
Before you can avail of their program, you’ll need to pass their requirements first. In order to be considered eligible for the program, you’ll need to be:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What are they able to assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with your debt. They are able to negotiate settlements on your behalf to settle most types of debt. These include medical bills, personal loans credit cards, and lines of credit. They are also able to settle any outstanding balance of business debt, collections, or repossessions.
They may also assist in negotiating with back taxes and IRS debt. However, you won’t get assistance for the majority cases, loans from the government or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they can help you use laws like those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying the violations of creditors in order to get cash settlements, if they are possible. Some violations can also result in having your debts removed as well.
CuraDebt lets you repay debt for less than the amount you have. They also allow you to have questions answered during a free meeting with their debt counselor.
The best part about the program is that you’ll only be charged once your debt is settled. All you have to sign up for one of their plans and you’ll be able to settle each of your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documents, they will also collect all the necessary paperwork for tax returns.
By using this program, you’ll be able to resolve various tax issues like garnishments on wages as well as tax penalties for personal and business taxes, back taxes and trust fund penalties and tax lien.
There aren’t any hidden charges also. They only use flat-fee pricing, which depends on the amount that you’ll must settle.
They offer different options in the settlement of 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 kind of debt can they assist you with?
Although debt settlement is their specialty but they aren’t able to provide all kinds of settlement. CuraDebt concentrates on unsecured debt. They won’t be able to assist you if your loan or debt is linked to a physical item.
If, however, you are in the following types of debt, they’ll make arrangements for settlements.
Tax Debt
With CuraDebt it is expected that you will be able pay off tax debts that were due to be paid without any problems. Additionally, this service is available to all 50 states in the event that you owe money towards the IRS. They have federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In some instances you could even settle them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to the federal government’s student loan. Still, they can help private students negotiate any loans they have to pay.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You can also avail if you have other unsecured credit lines you obtained from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards, traditional credit cards, and private-label credit cards, CuraDebt can help you pay it off.
How much will it cost?
The greatest thing about CuraDebt is how they’ve priced their services. They do not charge an upfront cost. The only time you pay is when you’ve paid each of your debts.
Also, they don’t have high-cost fees as well. On average, you’ll have to pay between 20 and 20 percent of the debt that you settled with them.
In the average, this kind of industry charges between 15 and 25 percent.
Additionally, customers can anticipate to settle their debt from between 2 and 4 years. But, it also differs in relation to the amount you can save up per month.
They also claim that you can save as much as 30% by incorporating their fees in your equation.
However, this statement will differ based on your situation. Some clients even mentioned saving 50% to 80percent.
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Benefits of using CuraDebt
Now that you have an understanding of the benefits CuraDebt can offer you let’s look into the advantages of using CuraDebt.
In the beginning, CuraDebt is only charged when you’ve paid off your debt. Furthermore, they only charge an amount of 20%, while most companies charge you 25%.
If you’re finished by the program for debt relief you can join their credit repair program.
It’s an excellent option to rebuild the credit rating without having to go back into debt. The program is however designed in a different way for each individual according to your personal situation.
In the end, CureDebt looks into your debt so that they can assist in settlements and negotiations. It means that your debt won’t inflate as time passes. They’ll also be looking into any violations by creditors using their experts in-house.
The drawbacks of using CuraDebt
Let’s also consider some of the negatives of CuraDebt.
Debt settlement and debt relief typically require you to stop making payments using . Therefore, if you’re trying build a better rating on your credit, this could cause you to delay working on your credit card debt.
CureDebt does not have a mobile app. Although they have a website that clients can access however, it appears old and mundane. It’s not very user-friendly, and can be difficult to navigate.
Moreover, they are still not recognized by an accreditation from the Better Business Bureau although they received an A+ grade.
The Final Verdict
CuraDebt is a good program that will allow you to 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 are no upfront payments and you’ll only have to pay when your debt is finally settled.
Although they’ll give you an account to see your progress but their website isn’t simple to navigate. CuraDebt also doesn’t have an app that would make it easier to monitor your progress.
But, they do have a great support team, and you can reach them not just via email but also via phone or making an e-ticket. Tax Relief For Business
If the debt is a big problem, then we recommend CuraDebt’s service. Be sure to be eligible and that the programs they provide are in your state.
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FAQ Tax Relief For Business
How long does it take to finish the program?
The typical program lasts from between 24 and 48 months depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt offers a program for tax relief that can help you with problems like delinquent taxes and garnishments of wages.
What do I need to do when I’m enrolled in the program?
You’ll have to keep in constant contact with your team members and pay the required payments to pay down the amount of debt you have over time.
