Has your debt been piling up lately? Are you tired of trying various financial tips and advice but you’re still struggling with unsolved problems?
Maybe you’re here because been through everything.
In most cases, the best way is to approach professionals that can help you settle this issue.
CuraDebt is one of the most asked companies. A lot of people have been inquiring whether they are able to help or put you in more debt.
According to their customers, they can help you control 80percent of your debts so that you can finally take a couple of things off your mind.
For some they believe these claims are too good to be true.
You might be looking for something that will aid you in settling your debt. In that scenario, CuraDebt will mostly be recommended by people. We’ll be taking a deep look at the way CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude, we’ll also look into the advantages and disadvantages of this method.
Before you begin the review, you can go to this video in case you would prefer to watch it.
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 our article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Kenya
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was founded in 2000 and has since become a part of 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, some states have imposed restrictions on their services.
What can CuraDebt do?
Assistance in settling your debt is CuraDebt’s most known feature. But they offer additional services to help you be more financially secure.
First of all, it begins with requesting a free online savings estimate. The service is completely confidential and they will not conduct a credit inquiry. With this savings estimate, you will learn more about your options to debt-free.
Savings estimates, as we’ve mentioned earlier, provides you with an idea of your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to help you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you on your path to debt-free living.
After your debt settlement program, CuraDebt is the one to answer all of your creditor’s calls. They’ll be the ones who will negotiate what you will pay for your settlement in accordance with the state of your finances. Based on what works best to you, this can either be a lump sum settlement or a payment plan.
Furthermore they will also be working with creditors so that you can get better rates when you transfer money into your savings account. This, in turn, will process to pay the creditors. Their plans can help you pay off the debt in two years.
After you’ve registered with them, they’ll allow you access to your information 24/7. All you need to do is log in to CuraDebts the client portal to track your progress.
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CuraDebt’s Requirements
Before you can avail of the program, you’ll have to meet their eligibility requirements first. For eligibility, 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 the various ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing with debt. They can negotiate settlements on behalf of you for most types of debt. They can help with personal loans, medical bills credit cards, as well as lines of credit. They are also able to help settle any remaining amount on business debts, collections, or repossessions.
They can even help negotiate for back taxes as well as IRS debt. However, you won’t get assistance for the majority of your lawsuits, government loans, collateral, and utility bills. The same goes for student loans.
On the other hand, they can assist you in navigating laws such as those of the Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They can also assist you in identifying creditor violations so that you can have cash settlements, should it be possible. Certain violations may result in having your debts also dismissed.
CuraDebt also allows you to pay off debts with less than the amount you own. They also allow you to inquire about your debt during their no-cost consultation with their debt counselor.
The best part about the program is that you only be charged when your debt is paid off. All you need to do is sign up with any of the plans, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. After they have gathered all your financial documentation, they will also collect all the paperwork you’ll need for tax returns.
Through this program, you’ll be able to solve the various types of tax problems like wage garnishments and tax penalties, personal and corporate taxes, back taxes and trust fund penalties and tax liens.
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 need to settle.
There are a variety of options when it comes to settling the 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 types of debt can they assist you with?
Although they specialize in debt settlement, it is not their specialization, they don’t cater to all types of settlement. CuraDebt is only focused on debt that is not secured. They aren’t able to help you if the credit or loan is tied to an actual item.
If you do have the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt it is expected that you will be able pay off taxes that are due without any issues. Furthermore, this service is offered across all 50 states, if you owe money to the IRS. There are federal tax experts that can help you resolve these types of issues.
Medical Debt
CuraDebt can also help 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 cater to federal student loans. Still, they can help private students with negotiating any student loans that they have to pay.
Personal Loan
Payday loans and personal loans also qualify as debt-settling programs. You can also avail of the program if you also have other unsecured credit lines that you got from an alternative bank or financial institution.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards and private-label credit cards CuraDebt can help you pay it off.
What will it cost you?
The greatest thing about CuraDebt’s pricing is how the company has priced its services. They don’t charge upfront fees. You’ll only pay once you’ve paid each of your debts.
Also, they do not charge high costs either. In the average, you’ll need to pay up to 20 percent of the debt you settled through them.
On average, this type of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. This varies in relation to the amount you are able to save each month.
Additionally, they claim that you can save as much as 30% if you include their costs into your calculations.
However, this statement will depend on your specific situation. Some customers even claimed to save 50% 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 explore the benefits from using CuraDebt.
In the beginning, CuraDebt is only charged when you’ve paid off your debt. In addition, they only charge 20% of the cost, whereas most companies charge you 25%.
If you’re finished with the debt settlement program, you may also sign up for their credit restoration program.
It’s a fantastic way to restore your credit score without having to go in debt again. However, the program runs in a different way for each individual according to your personal situation.
Lastly, CureDebt looks into your credit to help with settlements and negotiations. This means your debt won’t increase over time. They’ll also be looking into any creditor violations with the help of their in-house experts.
Drawbacks of using CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt relief and debt settlements usually require that you stop paying with the credit card you use. If you’re trying to build a better standing on credit scores, you may cause you to delay working on your debt.
CureDebt does not offer a mobile application. While they have a website that clients can access but it’s outdated and basic. It’s not very user-friendly, and can be challenging to navigate.
Moreover, they are still not credited with an accreditation from the Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a useful program that lets you settle your debt without spending more for these types of services. Additionally the 20% service fee is less expensive than the majority of businesses that charge the 25% cost. There is no upfront payment and you’ll only have to pay when your debt is finally settled.
Although they’ll give you an account so that you can track your progress however, their website isn’t user-friendly. CuraDebt isn’t even an app, which could make it easier for you to look at your progression.
But, they do have a good support team that you can contact them, not only via emails but also via phone or sending an e-ticket. Tax Relief Kenya
If problem of debt is an problem, then we highly recommend CuraDebt’s program. Be sure to be eligible and that the programs they offer are available in your area.
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FAQ Tax Relief Kenya
What is the time frame to finish the program?
The typical program lasts from 24 to 48 months, dependent on the size of your debt and the stipulated settlement.
Can CuraDebt assist with state tax problems?
It is true that CuraDebt provides tax relief programs that can assist you with issues such as late payroll taxes and garnishments of wages.
What do I need to do once I’m in the program?
You’ll need to constantly communicate with the team and pay the required payments to lower your debt over time.
