Are you experiencing debt that has been piling up lately? Are you tired of trying different financial advice and tips but haven’t solved your problems?
Maybe you’re here because been through everything.
In the majority of cases, your most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of people have been inquiring whether they can help you or put you into more debt.
According to their clients, they can help you manage the majority of your debt so that you can finally take a couple of things off your mind.
But for some people, these claims are just too good to be true.
If you’re looking for anything that can assist you in paying off your debt. If that’s the situation, CuraDebt will mostly be suggested by people. We’ll take a deeper look at how CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude we’ll look at the advantages and disadvantages of this method.
Before beginning the review, you can watch this video instead for a more relaxing way to watch it.
Otherwise, let’s begin.
Before you continue, you may want to check out this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. Afterward, you’ll want to read the rest of our article for a more comprehensive review.
About the Company Tax Relief Galmbing
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was established in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most well-known feature. However, they also offer additional services to aid you in becoming more financially stable.
First of all, it starts by requesting a no-cost online savings estimate. It is a completely private service and they will not conduct a credit inquiry. With this savings estimate you’ll discover more about alternatives to debt-free.
The savings estimate, which was mentioned earlier, provides you with an insight into 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 the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement program, CuraDebt will be the agency to handle all of your creditor’s calls. They will also be the ones who will determine conditions of the payment in accordance with the state of your financial situation. In determining which option is the most effectively to you, this could either be a lump sum settlement or the option of a payment plan.
Moreover they will be working with creditors to ensure that you enjoy better rates when you transfer money into your savings account. This, in turn, will be processed to pay back creditors. The plans they offer can help you pay off the debt in 48 months.
Once you’ve signed up with them, they’ll allow you access to your data 24/7. All you need to do is log in to CuraDebts’ client portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to pass their requirements first. For eligibility, you’ll have to be:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What are they able to assist you?
Here are the various ways CuraDebt can aid you.
Debt Relief
The name of the company suggests that CuraDebt will assist you in dealing your debt. They can negotiate settlements on your behalf to settle most types of debt. These include medical bills, personal loans, credit cards and also lines of credit. They are also able to help settle any remaining balance of business debt and collections or repossessions.
They can even help negotiate for back taxes and IRS debt. However, you will not receive support for most of your lawsuits, government loans or collateral, as well as utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will assist you with 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. Certain violations could lead to having your debts dismissed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. Additionally, you can have questions answered during a free meeting with their debt counsellor.
The best part about their plan is that you only be charged when your debt is paid off. All you need to do is sign up with some of their programs, and you’ll be able to resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with your tax debt. Once they collect all of your financial documents and tax documents, they’ll also collect all the necessary paperwork for tax returns.
Through this program, you should be able to resolve different types of taxes like garnishments on wages and tax penalties, personal and corporate taxes and back taxes and trust fund penalties and tax lien.
There aren’t any hidden costs neither are there hidden fees. They only use flat-fee pricing that is based on the amount that you’ll have to pay.
There are a variety of options when it comes to the settlement of your tax debt. Here are six of them:
- 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?
Although debt settlement is their forte however, they do not provide all kinds of settlement. CuraDebt concentrates on loans that are not secured. They aren’t able to assist you if your debt or loan is tied to an item that is physical.
However, if you have one of the following kinds of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt, you should be able pay off tax debts that were due to be paid without difficulty. Moreover, this type of service is available to all 50 states in the event that you owe money to the IRS. They have federal tax experts that can help you resolve the issues.
Medical Debt
CuraDebt can also help resolve the medical bills. In some instances you could even settle the debt for less than you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. However, they can assist private students negotiate the student loans they have to pay.
Personal Loan
Personal and payday loans also qualify as debt-settling programs. 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 or traditional credit cards and private-label credit cards CuraDebt will assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt’s pricing is how they’ve priced their services. They don’t charge an upfront fee. You’ll only pay once you settle each of your debts.
They also don’t have high-cost charges either. On average, you’ll be required to pay between 20 and 20% of the debt you settled with them.
On average, this type of industry charges between 15% and 25%.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. But, it also differs depending on the amount that you save per month.
Additionally, they claim that you can save up to 30% if you include their charges into your calculation.
But this claim will also differ based on your situation. Some clients even mentioned saving between 50% and up to 80%.
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Advantages to using CuraDebt
Once you’ve got an idea of what CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. In addition, they only charge 20% of the cost, whereas most companies charge you 25 percent.
Next, if you’re done with the debt settlement program, you may also sign up for their credit restoration program.
It’s a fantastic way to restore the credit rating without going into debt again. However, the program lasts in a different way for each individual dependent on the circumstances of your case.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also look into any violations by creditors with the help of their in-house experts.
The drawbacks of the use of CuraDebt
We will also examine some of the negatives of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using . Therefore, if you’re trying improve your credit score, it may cause you to delay finishing your credit card debt.
CureDebt also doesn’t have a mobile app. While they have a client website however, it appears old and mundane. It’s not particularly 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 great program that allows you to resolve your debt without having to spend more on these kinds of services. Additionally the 20% service cost is cheaper than most businesses that charge a 25% fee. There are no upfront payments and you’ll only have to pay when the debt is settled.
While they’ll provide you with an account to see your progress but their website isn’t user-friendly. CuraDebt isn’t even an app yet, which could make it easier for you to monitor your progression.
However, they have a good support team, and you can reach them, not only via emails but also by phone or submitting an e-ticket. Tax Relief Galmbing
If problem of debt is an problem right now, we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they offer are available in your area.
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FAQ Tax Relief Galmbing
How long does it take to complete the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt assist with tax problems in the state?
Sure, CuraDebt provides tax relief programs to aid you in dealing with problems like delinquent taxes and garnishments on wages.
What do I need to do once I’m in the program?
You’ll be required to communicate with the team and pay the required payments to reduce your debt over time.
