Has your debt been increasing lately? Are you tired of trying different financial tips and advice but haven’t solved your problems?
Maybe you’re here because you’ve tried everything.
In the majority of cases, the most effective approach is to talk to experts who can assist you resolve the issue.
CuraDebt is one of the most asked companies. A lot of people have been inquiring whether they can assist you or put you into more debt.
According to their clients, they can assist you in managing 80percent of your debt , so you can take few things off of your mind.
For some they believe these claims are too good to be true.
Suppose you’re on the lookout for something that will assist you in paying off your debt. In this situation, CuraDebt will mostly be recommended by people. We’ll be taking an in-depth study of the way CuraDebt works and what problems it can help you solve.
Furthermore, before we conclude, we’ll also look into its advantages and drawbacks.
Before starting the review, go to this video in case you would prefer to watch 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 review. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Lawyers Chicago
CuraDebt is a debt relief company 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, certain states have restricted their services.
What CuraDebt do?
Assistance in settling your debt is the most known feature. But they offer other services that can assist you in becoming financially secure.
The process begins with requesting a free online savings estimate. The service is completely confidential, and they won’t be doing a credit check. By using this estimate of savings, you will be able to learn more about the options to debt-free.
Savings estimates, which was mentioned previously, offers you the opportunity to consider your choices, regardless of whether you’re planning on using CuraDebt.
CuraDebt will provide you with a financial counselor and a team of support to help you with credit arbitration in the event that you decide to sign up. Some financial advisors can help you with your debt-free journey.
After your debt settlement program, CuraDebt is the agency to answer all of your creditors’ calls. They will 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 your situation, the payment can be either a lump sum settlement or a payment plan.
Additionally they will be working with lenders to help you enjoy better rates when you make deposits to your savings account, which in turn, will be processed to pay off the creditors. Their plans can help you settle the debt within the period of 48 months.
Once you’ve signed up with them, they will allow you access to your data 24/7. All you need to do is login to CuraDebts Client Portal to track your development.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to pass their requirements first. To be eligible, you’ll have to meet the following requirements:
- Minimum 21 years old
- Have a verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the different ways CuraDebt can aid you.
Debt Relief
Like their name implies, CuraDebt will assist you in dealing your debt. They are able to negotiate settlements on behalf of you for the majority of types of debt. These include personal loans, medical bills credit cards and lines of credit. They can also be approached to settle any outstanding balance of business debt collection, repossessions, or collections.
They may also assist in negotiating with back taxes as well as IRS debt. However, you will not receive support for most cases, government loans as well as collateral and utility bills. They also don’t cover most student loans.
On the contrary, they’ll help you use laws like that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They will also help you identify debtors who are in violation in order to get cash settlements, should it be possible. Some violations can also lead to having your debts removed as well.
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 counsellor.
The best part about the program is that you will only pay the fees when your debt is paid off. All you have to do is sign up with some of their programs, and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. After they have gathered all your financial documentation, they will also collect all the documents you’ll require for tax returns.
With this program, you should be able to resolve the various types of tax problems such as wage garnishments as well as tax penalties for personal and business taxes as well as back taxes and trust fund penalties and tax lien.
There aren’t hidden fees either. They only offer flat-fee prices that is based on the amount you’ll have to pay.
They have different solutions when it comes to the settlement of taxes. Here are six of them:
- 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 help you with?
Although debt settlement is their specialization, they don’t 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 credit or loan is tied to an item that is physical.
If, however, you are in the following kinds of debt, they’ll negotiate settlements on your behalf.
Tax Debt
With CuraDebt the service, you’ll be able pay off taxes that are due without difficulty. Furthermore, this service is accessible to all 50 states in the event that you owe money to the IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In certain cases you might even be able to pay them for less than what you owe.
Private Student Loan
CuraDebt doesn’t cater to Federal student loan. They can however assist private students negotiate any loans they have to pay.
Personal Loan
Personal loans and payday loans are also eligible as debt-settling programs. You can also avail if you have other unsecured credit lines that you got from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards as well as traditional credit cards and private-label credit cards CuraDebt will help you pay it off.
What is the cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. Only pay when you’ve paid each of your outstanding debts.
Also, they do not charge high costs either. On average, you’ll be required to pay up to 20% of the debt you settled through them.
In general, this type of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to settle their debt from two to four years. This varies in relation to the amount you can save up per month.
They also claim you can save as much as 30% by incorporating their costs into your calculations.
However, the claim may vary, depending on the situation. Some customers have even talked about saving 50% to up to 80%.
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The benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt can offer you let’s look into the advantages of using CuraDebt.
In the beginning, CuraDebt only charges you after you’ve settled your debt. Additionally they only charge 20% of the cost, whereas the majority of companies charge 25 percent.
Then, if you’re done by the program for debt relief, you can also sign up for their credit repair program.
It’s an excellent method to improve your credit without going into debt again. However, the program lasts different for every person according to your personal situation.
Lastly, CureDebt looks into your financial obligations to assist in settlements and negotiations. This means the amount you owe won’t rise as time passes. They’ll also investigate any violations by creditors with the help of their in-house experts.
Some disadvantages to the use of CuraDebt
Let’s also consider some of the drawbacks of CuraDebt.
Debt settlement and debt relief often require you to cease making payments with . If you’re trying to improve your credit score, it might set you back while you’re finishing your obligations.
CureDebt also doesn’t have a mobile app available. While they do have a client website but it’s outdated and basic. It’s not particularly user-friendly, and can be difficult to navigate.
Furthermore, they are not recognized by an accreditation from the Better Business Bureau although they received an A+ rating.
The Final Verdict
CuraDebt is a useful program that lets you pay off your debts without spending more on those types of services. In addition, their 20% service fee is lower than many businesses that charge a 25% fee. There is no upfront payment and you’ll only have to pay when the debt is settled.
Although they’ll give you an account to see your progress but their website isn’t easy to navigate. CuraDebt isn’t even an app, which could make it easier for you to monitor your performance.
However, they have a good support team that you can contact them not only through emails but also via phone or making an electronic ticket. Tax Relief Lawyers Chicago
If credit card is a major problem right now, we strongly recommend CuraDebt’s debt management program. Just make sure that you’re eligible and that the services they offer are available in your state.
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FAQ Tax Relief Lawyers Chicago
What is the time frame to complete the program?
The average program is 24 to 48 months, depending on the amount of your debt and the agreement on the settlement.
Can CuraDebt aid in the fight against state tax issues?
It is true that CuraDebt offers a program for tax relief that can help you with problems such as delinquent payroll tax and wage garnishments.
What should I do after joining the program?
You’ll need to constantly communicate with the team and pay the required payments to reduce your debt over time.
