Have your debts been piling up lately? Are you burnt out from trying different financial advice and tips but you’re still struggling with unsolved problems?
Maybe you’re here because been through everything.
In most cases, the best option is to speak with experts who can help you resolve the issue.
CuraDebt is among the most frequently contacted companies. A lot of people are asking if they can assist you or help you get into more debt.
According to their clients, they can help you manage 80percent of your debt , so you can finally take a couple of w
orries off your mind.
However, for certain people, these claims are just too good to be true.
You might be looking for something that will aid you in settling your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth study of how CuraDebt operates and what issues it can solve for you.
Furthermore, before we conclude, we’ll also look into the advantages and disadvantages of this method.
Before starting the review, you can check out this video instead for a more relaxing way 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 overview. After, you’ll want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Form Charity
CuraDebt is an organization that deals with debt relief in 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 is accredited by the International Association of Professional Debt Arbitrators.
Although the service is accredited, certain states have limited their access to their services.
What CuraDebt do?
Assistance in settling your debt is one of CuraDebt’s best popular feature. But they offer other services that will aid you in becoming more financially stable.
First of all, it starts by requesting a no-cost savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this estimate of savings, you will be able to learn more about the alternatives to be debt-free.
The savings estimate, as mentioned previously, offers you an idea of 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 help you with credit arbitration if you decide to sign up. 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 your creditor’s calls. They will be the ones who determine conditions of the repayment depending on the condition of your financial situation. Depending on which works most effectively for you, it can be either a lump sum settlement or the option of a payment plan.
Furthermore, they will be working with lenders to help you get better rates when you transfer money into your savings account. This in turn, will process to pay off the creditors. Their plans can help you pay off the debt in the period of 48 months.
Once you’ve signed up with them, they’ll allow you access to your data 24/7. All you have to do is log in to CuraDebts the client portal to monitor your progress.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need to pass their requirements first. For eligibility, you’ll need to be:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the different ways CuraDebt can help you.
Debt Relief
As their name suggests, CuraDebt will assist you in dealing with debt. They can negotiate settlements on your behalf for most types of debt. These include personal loans, medical bills credit cards, and lines of credit. They are also able to help settle any remaining amount on business debts collection, repossessions, or collections.
They may even assist you in negotiating for back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, government loans, collateral, and utility bills. Also, they don’t cover the majority of student loans.
On the contrary, they’ll assist you with laws like 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 so that you can have cash settlements, if possible. Certain violations could lead to having your debts removed as well.
CuraDebt can also help you repay debt for less than the amount you have. They also allow you to have questions answered during a free consultation with their debt counsellor.
The greatest benefit of their program is that you only have to pay for the charges once your debt is settled. All you need to do is sign up with one of their plans, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also help you with taxes. Once they collect all of your financial documents They will also gather all the necessary paperwork for tax returns.
Through this program, you will be able to resolve various tax issues such as wage garnishments, tax penalties, personal and taxation for business as well as back taxes, trust fund penalties, and tax lien.
There aren’t any hidden costs neither are there hidden fees. They use only flat-fee pricing, which depends on the amount you have to pay.
They offer different options when it comes to 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 kinds of debts are they able to help with?
Although debt settlement is their specialty but they aren’t able to offer all kinds in debt resolution. CuraDebt is only focused on unsecured debt. They won’t be able to help you if your debt or loan is tied to an item that is physical.
If you do have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off your past-due tax debts without any issues. Additionally, this service is offered to all 50 states if you owe money to the IRS. There are tax experts from the federal government that can help you resolve these types of issues.
Medical Debt
CuraDebt will also help you resolve any medical-related debt. In certain cases you might even be able to pay the debt for less than you owe.
Private Student Loan
CuraDebt does not offer federal student loans. They can however assist private students negotiate any loans they are owed.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. You may also be eligible of the program if you also have other unsecured credit lines that you have obtained from a different bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards or private label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They do not charge an upfront cost. Only pay when you have paid off all of your debts.
They also do not charge high charges either. In the average, you’ll need to pay as much as 20 percent of the debt you settled with them.
On average, this type of business can cost anywhere from 15% to 25 percentage.
In addition, customers can expect to pay off their debts in two to four years. But, it also differs according to the amount you are able to save each month.
Also, they claim you can save up to 30% by incorporating their fees in your equation.
However, this statement will differ based on your specific situation. Some clients even mentioned saving between 50% and 80percent.
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Advantages to using CuraDebt
Now that you have an understanding of the benefits CuraDebt offers, let’s explore the benefits of using CuraDebt.
In the beginning, CuraDebt only charges you once you’ve paid off your debt. In addition, they only charge 20% of the cost, whereas many companies charge 25%.
If you’re finished by the program for debt relief you could also sign up for their credit restoration program.
It’s a great option to rebuild your credit score without having to go into debt again. The program is however designed differently for each person according to your personal situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, your debt won’t inflate over time. They’ll also investigate any creditor violations using their experts in-house.
Drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt relief and debt settlements often require you to stop paying with your credit card. If you’re trying to increase your rating on your credit, this may cause you to delay getting rid of your debt.
CureDebt doesn’t even have a mobile app. While they have a website for clients, it looks old and mundane. It’s not particularly user-friendly, and can be challenging to navigate.
Furthermore, they are not accredited with an accreditation from the Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a good program that will allow you to resolve your debt without having to spend more for these types of services. Additionally, their 20% service fee is cheaper than most businesses that charge a 25% fee. There aren’t any upfront fees, and you will only have to pay the fee when the debt is settled.
Although they’ll give you an account to see your progress however, their website isn’t simple to navigate. CuraDebt does not have an app, which would make it easier to look at your progression.
However, they have a great support team and can be reached them not just via email but also by phone or making an electronic ticket. Tax Relief Form Charity
If your credit card is a major problem, then we recommend CuraDebt’s service. Make sure you’re qualified and that the services that they provide are offered in your state.
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FAQ Tax Relief Form Charity
How long does it take to complete the course?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your stipulated settlement.
Can CuraDebt assist in the fight against state tax issues?
Yes, CuraDebt has a tax relief program that will aid you in dealing with problems such as delinquent payroll taxes and wage garnishments.
What’s the first thing I have to 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 your debt over time.
