Have your debts been increasing lately? Are you exhausted from trying various financial advice and tips but still have unsolved issues?
Maybe you’re here because already tried every thing.
In the majority of cases, the most effective approach is to talk to professionals that can help you settle this issue.
CuraDebt is one of the companies that get the most inquiries. Many people are asking if they are able to help or put you in more debt.
According to their customers, they can help you manage 80% of your debt , so you can finally take a couple of things off your mind.
But for some people the claims seem too good to be true.
If you’re looking for anything that can aid you in settling your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll be taking a deep review of how CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before you begin the review, watch this video instead if you prefer for it to be watched.
Otherwise, let’s begin.
Before you continue, 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 our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief In California
CuraDebt is an organization that deals with debt relief in Hollywood, Florida. It was founded in 2000 and has been an active participant in the American Fair Credit Council, the US Chamber of Commerce, and is accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have limited their access to their services.
What can CuraDebt do?
Helping you settle your debt is the most well-known feature. But they offer other services that will aid you in becoming more financially secure.
The process starts by requesting a no-cost savings estimate on the internet. The service is completely confidential, and they won’t conduct a credit inquiry. With this estimate of savings, you will learn more about your options to debt-free.
The savings estimate, as mentioned previously, offers you an insight into your options regardless of whether or not you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a support team to assist you with credit arbitration if you decide to join. Financial advisors may be able to assist you in your debt-free journey.
After your debt settlement plan, CuraDebt is the one to answer all of the calls from your creditors. They will be the ones who negotiate the terms of your settlement depending on the condition of your financial situation. In determining which option is the best for you, it can be a lump-sum settlement or a payment plan.
Additionally, they will be working with the creditors to ensure that you have better rates as you transfer money into your savings account. This, in turn, will be processed to pay off the creditors. The plans they offer can help you settle the debt within two years.
Once you’ve signed up with them, they will give you access to your information 24/7. All you have to do is log in to CuraDebts Client Portal to track your performance.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. For eligibility, you’ll need to meet the following criteria:
- At least 21 years old
- Verifiable income
- You must have a minimum balance of $5,000
What can they help you with?
Here are some of the ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They are able to negotiate settlements on behalf of you for all kinds of debt. These include personal loans, medical bills credit cards, and also lines of credit. They are also able to settle any outstanding balance on business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you won’t get assistance with the majority cases, 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 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 debtors who are in violation to ensure that you receive cash settlements, should it be possible. Some violations can also cause your debt to be removed as well.
CuraDebt also allows you to pay off debts with less than the amount you have. You can also ask questions during their free meeting with their debt counsellor.
The greatest benefit of their program is that you will only pay the fees once your debt is settled. All you have to sign up for any of the plans, and you’ll have the ability to resolve all of your debts.
Tax Management and Relief
CuraDebt will also handle the tax liabilities you have. Once they collect all of your financial documentation They will also gather all the paperwork you’ll need to file tax returns.
Through this program, you will be able to solve different types of taxes like wage garnishments, tax penalties, personal and taxation for business as well as back taxes, trust fund penalties, and tax liens.
There aren’t any hidden costs either. They only offer flat-fee prices, which depends on the amount that you’ll need to settle.
There are a variety of options for paying off 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 types of debt are they able to help with?
Although they specialize in debt settlement, it is not their specialization but they aren’t able to cater to all types of settlement. CuraDebt is only focused on loans that are not secured. They won’t be able to help you if your loan or debt is linked to a physical item.
However, if you have the following types of debt, they will negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able to settle taxes that are due without any issues. Furthermore, this service is offered to all 50 states in the event that you owe money towards the IRS. There are federal tax experts 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 could even settle them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. Still, they can help private students negotiate any loans they are owed.
Personal Loan
Personal and payday 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 financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards as well as traditional credit cards and private-label credit cards, CuraDebt will help you pay it off.
How much will it cost?
The best part about CuraDebt is the way they’ve priced their services. They don’t charge upfront fees. Only pay when you’ve paid each of your outstanding debts.
They also do not charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt that you settled through them.
In general, this type of industry can charge anywhere between 15 and 25 percent.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. However, this also varies depending on the amount that you are able to save each month.
Also, they claim that you could save up to 30% when you factor in their charges into your calculation.
However, this statement will vary, depending on your situation. Some customers have even talked about saving 50% to 80percent.
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Benefits of using CuraDebt
Now that you have a clearer picture of what CuraDebt can provide, Let’s take a look at the benefits of using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. Furthermore, they only charge an amount of 20%, while the majority of companies charge 25%.
Then, if you’re done in the process of debt resolution, you can enroll in their credit restoration program.
It’s a great way to restore your credit score without having to go in debt again. The program is however designed in a different way for each individual according to your personal situation.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. So, your debt won’t inflate over time. They’ll also be looking into any violations of creditor with the help of their experts in-house.
Some disadvantages to the use of CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt settlement and debt relief often require you to stop making payments using your credit card. So if you’re trying to increase your standing on credit scores, you might set you back while you’re getting rid of your debt.
CureDebt also doesn’t offer a mobile application. Although they have a website that clients can access, it looks aged and simple. It’s not very user-friendly, and can be difficult to navigate.
In addition, they’re not accredited with the Better Business Bureau although they did receive an A+ rating.
The Final Verdict
CuraDebt is a great program that will allow you to resolve your debt without having to spend more on these kinds of services. In addition their 20% service cost is cheaper than most businesses that charge a 25% fee. There is no upfront payment and you’ll only be required to pay once the debt is paid off.
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 look at your performance.
However, they have a competent support staff, and you can reach them not just via email but also via phone or making an e-ticket. Tax Relief In California
If debt is a big problem, then we recommend CuraDebt’s service. Just make sure that you’re eligible and that the programs they offer are available in your state.
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FAQ Tax Relief In California
How long will it take to complete the course?
The typical program lasts from between 24 and 48 months dependent on the size of your debt as well as the stipulated settlement.
Can CuraDebt aid with state tax problems?
Sure, CuraDebt offers a program for tax relief that can assist you with issues such as late payroll taxes and garnishments of wages.
What should I 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.
