Are you experiencing debt that has increased lately? Are you burnt out from trying different financial advice and strategies but still have unsolved issues?
Perhaps you’re here because you’ve been through every thing.
In most cases, the best option is to speak with experts who can help you resolve the 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 debt , so you can finally take a few things off of your shoulders.
But for some people, these claims are just too good to be true.
You might be looking for any solution that could aid you in settling your debt. If that’s the situation, CuraDebt will mostly be recommended by people. We’ll take a deeper study of the way CuraDebt operates and what issues it can help you solve.
Moreover, before we end our discussion, we’ll take a look at its advantages and drawbacks.
Before beginning the review, go to this video 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. After, you will want to read the rest of the article for a more comprehensive review.
About the Company Tax Relief Higher Rate Taxpayers
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 is accredited by the International Association of Professional Debt Arbitrators.
While it is accredited, some states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is one of CuraDebt’s best well-known feature. However, they also offer additional services to help you be more financially stable.
First of all, it begins with requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. By using this estimate of savings, you will learn more about your other options in your journey to be debt-free.
This estimate of savings, as mentioned earlier, provides you with an idea of your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to assist you in navigating credit arbitration in the event that you decide to join. Certain financial advisors can assist you in your debt-free journey.
Following the debt settlement program, CuraDebt is the company to answer all of the calls from your creditors. They’ll be the ones who determine what you will pay for your settlement depending on the condition of your finances. Based on what works most effectively to you, this could be a lump-sum settlement or a payment plan.
Furthermore, they will be working with the creditors to ensure that you enjoy better rates when you make deposits to your savings account, which is then processed to pay the creditors. The plans they offer can help you settle the debt within 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 login to CuraDebts Client Portal so that you can monitor your performance.
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CuraDebt’s Requirements
Before you are able to avail their program, you’ll need 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
- Minimum debt must be $5,000
What are they able to assist you?
Here are some of the ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt can help you deal with debt. They are able to negotiate settlements on your behalf to settle all kinds of debt. This includes personal loans, medical bills credit cards and lines of credit. They are also able to help settle any remaining balance on business debt, collections, or repossessions.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority claims, government loans, collateral, and utility bills. They also don’t cover most 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 can also assist you in identifying debtors who are in violation in order to get cash settlements, if possible. Certain violations may result in having your debts also dismissed.
CuraDebt can also help you settle debt with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consultation with their debt advisor.
The greatest benefit of the program is that you will only be charged after your debt has been settled. All you need to sign up to one of their plans and you’ll be able resolve all of your debts.
Tax Management and Relief
CuraDebt can also deal with taxes. Once they’ve gathered all your financial records They will also gather all the documents you’ll require for tax returns.
With this program, you should be able to resolve different types of taxes like garnishments on wages and tax penalties, personal and taxation for business and back taxes, trust fund penalties, and tax lien.
There aren’t hidden fees either. They use only flat-fee pricing, which depends on the amount that you’ll have to pay.
They offer different options for settling your tax debt. Here are 6 of them:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatements
- Currently non-collectible
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What kinds of debts can they assist you with?
Although they specialize in debt settlement, it is not their forte but they aren’t able to provide all kinds of settlement. CuraDebt concentrates on debt that is not secured. They won’t be able to assist you if your credit or loan is tied to a physical item.
However, if you have 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 taxes that are due without difficulty. Moreover, this type of service is available to all 50 states if you owe money towards the IRS. There are tax experts from the federal government who can assist you in resolving the issues.
Medical Debt
CuraDebt will also help you resolve the medical bills. In some cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt does not offer Federal student loan. They can however assist private students in negotiating any loans they are owed.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You can also avail the program if you have other unsecure credit lines you obtained from a different 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 can help you pay it off.
What is the cost?
The greatest thing about CuraDebt is how the company has priced its services. They don’t charge an upfront fee. The only time you pay is when you’ve paid each of your outstanding debts.
Additionally, they don’t charge high fees as well. On average, you’ll have to pay up to 20 percent of the debt you settled through them.
On average, this type of industry charges between 15 and 25 percent.
Additionally, customers can anticipate to settle their debts within two to four years. This varies according to the amount you can save up per month.
Also, they claim that you can save up to 30% if you include their fees in your equation.
However, the claim may differ based on your specific situation. Some clients even mentioned saving between 50% and up to 80%.
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The benefits of using CuraDebt
Now that you have an understanding of what CuraDebt can offer you let’s look into the advantages from using CuraDebt.
The first is that CuraDebt will only charge you after you’ve settled your debt. In addition they charge only 20% of the cost, whereas most companies charge you 25%.
If you’re finished in the process of debt resolution, you may enroll in their credit restoration program.
It’s a great way to restore the credit rating without going in debt again. However, the program lasts differently for each person dependent on the circumstances of your case.
In the end, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means your debt won’t increase over time. They’ll also investigate any violations of creditor using their in-house experts.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief usually require that you cease making payments with . Therefore, if you’re trying increase your standing on credit scores, you might set you back while you’re finishing your debt.
CureDebt doesn’t even have a mobile app available. While they have a website that clients can access however, it appears aged and simple. It’s not particularly intuitive, and it can be challenging to navigate.
Moreover, they are still not recognized by their Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a great program that lets you settle your debt without spending more on those types of services. Additionally their 20% service cost is less expensive than the majority of firms that charge the 25% cost. There aren’t any upfront fees and you’ll only have to pay the fee when the debt is settled.
Although they’ll allow you to access an account so that you can track your progress but their website isn’t user-friendly. CuraDebt also doesn’t have an app that would make it easier to monitor your performance.
But, they do have a great support team that you can contact them not only through emails but also by phone or sending an e-ticket. Tax Relief Higher Rate Taxpayers
If credit card is a major problem right now, we strongly recommend CuraDebt’s debt management program. Make sure you’re qualified and that the services that they provide are offered in your state.
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FAQ Tax Relief Higher Rate Taxpayers
How long does it take to complete the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as your agreement on the settlement.
Can CuraDebt aid with tax problems in the state?
Sure, CuraDebt offers a program for tax relief to assist you with issues such as late payroll taxes and wage garnishments.
What do I need to do after joining 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.
