Have your debts been increasing lately? Are you exhausted from trying various financial tips and advice but still have unsolved issues?
Maybe you’re here because been through every thing.
In the majority of cases, the best way is to approach experts who can assist you settle this issue.
CuraDebt is one of the most frequently contacted companies. A lot of 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 debts so that you can take few things off of your mind.
However, for certain people, these claims are just too good to be true.
If you’re looking for any solution that could help you resolve your debt. In that case, CuraDebt will mostly be highly recommended by those. We’ll take a deeper review of the way CuraDebt is used and the problems it could help solve.
Furthermore, before we conclude our discussion, we’ll take a look at its benefits and drawbacks.
Before you begin the review, you can watch this video instead for a more relaxing way 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. Afterward, you will want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Tax Relief Oc
CuraDebt is a company that provides debt relief from Hollywood, Florida. It was established in 2000 and has since become an active member of 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 limited their access to their services.
What CuraDebt do?
Helping you settle your debt is the most popular feature. They also provide additional services to help you be more financially stable.
The process begins with requesting a free savings estimate online. It is a completely private service and they will not be conducting a credit screening. With this savings estimate, you will be able to learn more about the other options in your journey towards debt-free.
The savings estimate, as mentioned before, gives you an idea of your choices regardless of whether you’re planning to continue using CuraDebt.
CuraDebt will assign you a financial counselor and a support team to assist you in navigating credit arbitration in the event that you decide to sign up. Certain financial advisors can assist you in your debt-free journey.
After your debt settlement program is completed, CuraDebt will be the agency to answer all of your creditors’ calls. They’ll also be the ones that will determine conditions of the settlement depending on the condition of your financial situation. Depending on which works most effectively to you, this could either be a lump sum settlement or the option of a payment plan.
Additionally they will also work with creditors so that you can have better rates as you make deposits to your savings account, which is then processed to pay back the creditors. Their programs can assist you to settle the debt within the period of 48 months.
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 to track your performance.
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CuraDebt’s Requirements
Before you can benefit from their program, you’ll need to pass their requirements first. To be eligible, you’ll have to meet the following criteria:
- Minimum 21 years old
- Earn a reliable income
- Minimum debt must be $5,000
What can they help you?
Here are some of the ways CuraDebt can assist you.
Debt Relief
The name of the company suggests that CuraDebt can assist you in dealing with debt. They can negotiate settlements on behalf of you for all kinds of debt. They can help with medical bills, personal loans, credit cards and also line of credit. They can also be approached to help settle any remaining balance on business debt, collections, or repossessions.
They may also assist in negotiating for back taxes and IRS debt. But, you won’t receive assistance for the majority of your lawsuits, government loans as well as collateral and utility bills. Also, they don’t cover the majority of student loans.
On the other hand, they will help you use laws like the 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, if they are possible. Certain violations could lead to having your debts also dismissed.
CuraDebt also allows you to settle debt with less than the amount you own. You can also ask questions during their free meeting with their debt counselor.
The most appealing aspect of the program is that you’ll only pay the fees when your debt is paid off. All you need to sign up for one of their plans, and you’ll have the ability to settle each of your debts.
Tax Management and Relief
CuraDebt can also help you with the tax liabilities you have. Once they’ve gathered all your financial records and tax documents, they’ll also collect all the documents you’ll require to file tax returns.
By using this program, you should be able to resolve various tax issues like garnishments on wages 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 neither are there hidden fees. They only use flat-fee pricing and is dependent on the amount you must settle.
They have different solutions in settling taxes. 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 kinds of debts can they assist you with?
While debt settlement is their forte, they don’t offer all kinds of debt 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 item that is physical.
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 to pay tax debts that were due to be paid without difficulty. Additionally, this service is available to all 50 states in the event that you have a debt in arrears to IRS. There are tax experts from the federal government who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve your medical debt. In some cases, you may even pay them for less than what you have to pay.
Private Student Loan
CuraDebt does not cater to federal student loans. Still, they can help private students negotiate any loans they owe.
Personal Loan
Payday loans and personal loans also qualify for the debt settlement program. You can also avail the program if you have other unsecure credit lines that you have obtained from a different financial institution or bank.
Credit Card Debt
Whether you have debt with store credit cards, traditional credit cards, as well as private label credit card CuraDebt will assist you in paying it off.
How much will it cost?
The most appealing aspect of CuraDebt is the way they’ve priced their service. They don’t charge upfront fees. You’ll only pay once you’ve paid each of your outstanding debts.
Additionally, they don’t have high-cost charges either. In the average, you’ll need to pay as much as 20% of the debt you settled through them.
On average, this type of business can cost anywhere between 15 and 25%.
Additionally, customers can anticipate to settle their debts within 2 to 4 years. But, it also differs depending on the amount that you can save up per month.
They also claim you can save up to 30% when you factor in their fees in your equation.
But this claim will also differ based on the situation. Some clients even mentioned saving 50 to up to 80%.
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Benefits of using CuraDebt
Once you’ve got a clearer picture of what CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
First, CuraDebt is only charged after you’ve settled your debt. Furthermore they charge only 20% of the cost, whereas many companies charge 25%.
Then, if you’re done with the debt settlement program, you can join their credit repair program.
It’s a great option to rebuild your credit score without having to go into 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 increase over time. They’ll also investigate any violations by creditors using their experts in-house.
The drawbacks of using CuraDebt
Let’s also look into some of the disadvantages of CuraDebt.
Debt relief and debt settlements typically require you to stop paying with the credit card you use. If you’re trying to build a better rating on your credit, this might cause you to delay getting rid of your credit card debt.
CureDebt doesn’t even have a mobile app. While they do have a website for clients, it looks old and mundane. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not credited with their Better Business Bureau although they did receive an A+ grade.
The Final Verdict
CuraDebt is a good program that will allow you to pay off your debts without spending more for these types of services. Moreover the 20% service charge is less expensive than the majority of firms that charge a 25% fee. There is no upfront payment and you’ll only have to pay the fee when the debt is settled.
While they’ll provide you with an account so that you can track your progress but their website isn’t easy to navigate. CuraDebt also doesn’t have an app that would make it easier to track your progression.
But, they do have a good support team that you can contact them not just via email but also by phone or sending an electronic ticket. Tax Relief Oc
If problem of debt is an problem, then we recommend CuraDebt’s service. Just make sure that you’re qualified and that the services they provide are in your state.
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FAQ Tax Relief Oc
How long does it take to finish the program?
The program typically takes between 24 and 48 months dependent on the size of your debt as well as the agreed settlement.
Can CuraDebt assist with state tax problems?
Yes, CuraDebt offers a program for tax relief to assist you with issues such as late payroll tax and wage garnishments.
What’s the first thing I have to do when I’m enrolled in the program?
You’ll have to keep in constant contact with the team and pay the required payments to reduce your debt over time.
