Are you experiencing debt that has been increasing lately? Are you burnt out from trying other financial tips and advice but you’re still struggling with unsolved problems?
Perhaps you’re here because you’ve tried every thing.
In the majority of cases, the most effective approach is to talk to professionals that can help to resolve this issue.
CuraDebt is among the most asked companies. A lot of people have been inquiring whether they can assist you or put you into more debt.
According to their clients they can help you control the majority of your debt so that you can take few things off of your mind.
For some, these claims are just too good to be true.
Suppose you’re on the lookout for anything that can help you resolve your debt. In this situation, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of how CuraDebt works and what problems it could help solve.
In addition, prior to our conclusion we’ll look at the advantages and disadvantages of this method.
Before starting the review, watch this video instead in case you would 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. Afterward, you will want to read the rest of our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief For Wallet
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active participant in the American Fair Credit Council, the US Chamber of Commerce, and has been accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have imposed restrictions on their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer other services that can aid you in becoming more financially secure.
First of all, it begins by requesting a free online savings estimate. The service is completely confidential and they will not be conducting a credit screening. With this estimate of savings, you will be able to learn more about the options to be debt-free.
This estimate of savings, which was mentioned previously, offers you the opportunity to consider your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor as well as a support team to assist you with credit arbitration in the event that you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement program, CuraDebt is the company to take care of all your creditors’ calls. They’ll be the ones who negotiate conditions of the repayment in accordance with the state of your finances. Based on what works best your situation, the payment could either be a lump sum settlement or the option of a payment plan.
Furthermore, they will work with lenders to help you get better rates when you make deposits to your savings account. This, in turn, will be processed to pay off creditors. Their plans can help you pay off the debt in two years.
Once you’ve signed up with them, they’ll give you access to your account information 24 hours a day. All you need to do is log in to CuraDebts the client portal to monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to pass their requirements first. In order to be considered eligible for the program, you’ll need 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 some of the ways CuraDebt can help you.
Debt Relief
Like their name implies, CuraDebt can help you deal your debt. They are able to negotiate settlements on your behalf to settle most types of debt. They can help with medical bills, personal loans credit cards, and also lines of credit. They can also be approached to settle any outstanding balance of business debt and collections or repossessions.
They may also assist in negotiating on tax owed and IRS debt. However, you will not receive support for most of your lawsuits, loans from the government as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will help you use laws like the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify creditor violations to ensure that you receive cash settlements, if they are possible. Some violations can also result in having your debts dismissed as well.
CuraDebt can also help you pay off debts with less than the amount you own. You can also inquire about your debt during their no-cost consultation with their debt counselor.
The best part about their plan is that you’ll only have to pay for the charges once your debt is settled. All you need to sign up for some of their programs, and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they’ve gathered all your financial documents, they will also collect all the documents you’ll require to file tax returns.
With this program, you will be able to solve the various types of tax problems such as wage garnishments, tax penalties, personal and taxation for business, back taxes, trust fund penalties, and tax lien.
There aren’t any hidden charges also. They only use flat-fee pricing, which depends on the amount you’ll need to settle.
There are a variety of options when it comes to the settlement of the tax debt. 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 kind of debt are they able to help with?
While debt settlement is their forte but they aren’t able to provide all kinds of settlement. CuraDebt is only focused on debt that is not secured. They can’t assist you if your credit or loan is tied to a physical item.
If, however, you are in the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able pay off taxes that are due without any problems. Moreover, this type of service is accessible across all 50 states, if you have a debt to the IRS. They have federal tax experts that can help you resolve these kinds of problems.
Medical Debt
CuraDebt can also help resolve any medical-related debt. In some instances you might even be able to pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer federal student loans. However, they can assist private students with negotiating the student loans they are owed.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. It is also possible to avail the program if you have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you are in debt through store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
What is the cost?
The greatest thing about CuraDebt’s pricing is how they’ve priced their services. They do not charge an upfront cost. Only pay when you’ve paid each of your outstanding debts.
Additionally, they do not charge high charges either. On average, you’ll be required to pay up to 20 percent of the debt that you settled with them.
In general, this type of industry charges between 15 and 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs according to the amount you save per month.
They also claim that you can save up to 30% when you factor in their costs into your calculations.
However, the claim may vary, depending on the situation. Some clients even mentioned saving 50% to 80percent.
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The benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt offers, let’s explore the benefits of using CuraDebt.
The first is that CuraDebt will only charge you when you’ve paid off your debt. Furthermore they only charge 20% of the cost, whereas many companies charge 25%.
Then, if you’re done by the program for debt relief, you may enroll in their credit restoration program.
It’s an excellent method to improve your credit without having to go back into debt. The program is however designed different for every person, depending on your situation.
In the end, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, your debt won’t inflate as time passes. They’ll also look into any violations of creditor with the assistance of their in-house experts.
Some disadvantages to the use of CuraDebt
We will also examine some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with the credit card you use. Therefore, if you’re trying improve your rating on your credit, this could set you back while you’re getting rid of your obligations.
CureDebt doesn’t even have a mobile app available. While they do have a website that clients can access, it looks outdated and basic. It’s not very intuitive and could be difficult to navigate.
Moreover, they are still not accredited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you settle your debt without spending more on these kinds of services. Moreover their 20% service cost is less expensive than the majority of businesses that charge the 25% cost. There is no upfront payment and you’ll only be required to pay once the debt is settled.
Although they’ll give you an account that allows you to track your progress but their website isn’t user-friendly. CuraDebt isn’t even an app that will make it easier to track your progress.
But, they do have a competent support staff and can be reached them, not only via emails but by phone or by making an e-ticket. Tax Relief For Wallet
If problem of debt is an problem, then we recommend CuraDebt’s service. Make sure you’re eligible and that the services they provide are in your state.
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FAQ Tax Relief For Wallet
What is the time frame to finish the program?
The average program is 24 to 48 months, depending on the amount of your debt as well as the agreement on the settlement.
Can CuraDebt assist with tax problems in the state?
Yes, CuraDebt has a tax relief program that will help you with problems such as delinquent payroll tax issues and wage garnishments.
What’s the first thing I have to do once I’m in the program?
You’ll be required to communicate with the team and make the necessary payments to lower your debt over time.
